June 9,
MsCatherine McLaughlin
Dispute Resolution
Revdex.com of Columbus Ohio
Dublin Road
Columbus, OH 43215-
Company Name: Nationwide Property & Casualty Insurance Company, NAIC #:
Revdex.com Complaint #:
Complainant: Kelly
***
NW Policy#: 5345V
Dear *** ***
This letter is in response to the inquiry we received on June 4, regarding the above referenced policyholder, *** ***
On December 2, the *** *** agency spoke with Ms*** when she contacted the office to notify them that she was officially the owner of the vehicle on policy *** and a spinoff policy *** was written in her name with the same coverage she had on the prior policy
There is a finding of no error as there has been no documented request for LOU/Rental coverage either on Ms***'s prior policy or on her current policy. When her vehicle was added to the policy, there also was no request for LOU/Rental coverage
In addition, we sent the inception declaration page to the member on December 18, It was mailed to the members address listed on the policy and a copy is attached. Also, a copy of the dec page of the policy is attached
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
Police y #*** They are in the business of advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the years I have used them for my ten year toy poodle only to let me down big time!
Regards,
*** ***
I did receive the refund of the last payment of $approx. What I have is a paid fine to the *** *** State DMV - for over $from a fine based on me not having insurance for that time
I have reviewed the inquiry received from *** *** regarding his homeowners policy insured with Depositors Insurance CompanyHe inquired about the changes made to his policy and subsequent premium due when cancellation was requested.The home policy for Mr*** was new business with our
company effectiveDecember 30, It was cancelled per his request on March 1, During this time, changes were made to his policy that result in additional premium dueOn all new business, companies are afforded a specified number of days in which to make changes and review eligibility of a riskThis is often referred to as the “discovery period”The changes made to Mr***’s policy were:? January 11, effective the original policy date of December 30, 2015: The protection class was updated to reflect the distance to a fire hydrant as being over 1,feetThis resulted in additional policy premium of $373.55.? January 31, effective the original policy date of December 30, 2015: The dwelling coverage amount was increased based on the replacement value from the inspection of January 26, This resulted in additional policy premium of $241.27.Payments were received via one time electronic funds transfers on December 28, for $and February 4, for $The policy was set up on recurring EFT on February 4, per the agent’s request.Mr*** requested cancellation of the policy to be effective March 1, A premium breakdown based on this cancellation date, changes made within the discovery period of the policy, and payments received on the policy is attached for referenceIf the insured obtained replacement coverage prior to the March 1, cancellation date, we can backdate the cancellation of this policy to that date with a copy of the replacement coverage.If further assistance is needed in this matter, please contact me directly at ###-###-####.Sincerely,Gale G*** *** *** ***
We have received a request to review your claim as it pertains to your concerns with the vehicle repairs and rental chargesAs was discussed with you in November 2016, the decal originally installed by the manufacturer on your vehicle has been discontinued and a replacement decal is provided
through FordWe realize the replacement decal is not the same as was on the vehicleUnfortunately this is not something we can resolve, as the original decal is no longer availableThe shop has issued payment to you for the decal and labor, and a check is included with this communicationWe will also send you payment to allow for one (1) day of rental, which will be required to install another decal should you chose to go this route.As for the cost you incurred for Collision Deductible Waiver (CDW) when you obtained the rental vehicle from Enterprise, we would owe this if you do not have collision coverage on the vehicle involved in the lossWe will be happy to reimburse you for this cost but will need a copy of your policy declaration page to show you had no collision coverage during the time the rental was obtained.Thank you for choosing us for your important insurance protectionIf you have any questions or concerns, please contact me at ###-###-#### or ###-###-####.Sincerely,Chris F* *** *** ***
*** *** *** *** ***
*** *** ** ***
Thank you for your inquiry concerning the above named memberBelow is my response to theirconcerns about an amount due after the auto policy cancelled for non payment of premium effectiveJanuary 16, 2015.On November 24, we sent a bill for $due on December 18, On December 30,
we hadn’t received a payment and mailed a Notice of CancellationThis notice stated that anamount of $must reach us by January 15, or the policy would cancel January 16, 2015.No payment was received and the policy cancelled for non payment of premium effective January 16,The amount owed to us is for coverage from December 18, to January 16, in theamount of $198.07.In reviewing the policy notes, there was an attempt by the member to cancel the policy but he refusedto sign a cancellation request effective the day he advised he received insurance elsewhereTheagency advised him if he cancelled the policy prior to receiving insurance elsewhere, he would have alapse in coverageHe refused to sign the cancellation request form and left their officePlease seepolicy note below.If the member can provide me proof of coverage via declarations page of when he received insuranceelsewhere, I would be happy to adjust the cancellation dateMy contact information is, fax number###-###-####, email *** and my direct phone number is ###-###-####.Once I have proof that he received insurance elsewhere, I will adjust the policy and mail him a letteradvising the policy has been adjusted.If you should have any other requests or questions regarding this matter, please contact me at ###-###-####.Sincerely,Tiffany C*** ***
We acknowledge receipt of your follow up inquiry dated September 14, We are responding to a response from Mrs*** where she provided a copy of an email suggesting amounts that were not covered by the other carrier.As outlined in our previous communications with Mrs***, the email provided is insufficient to support her claimShe will need to provide copies of the actual invoice for emergency mitigation and either the invoice with a complete breakdown of the repairs completed or a contractor’s estimate on the company document with a complete breakdown of anticipated repairsMrs*** advised she would forward a copy of the emergency mitigation receipt as well as the contractors estimate for us to review for a supplemental payment.On September 16, an email was sent directly to Mrs***’s contractor in order to obtain a copy of his repair estimateThe email was returned as undeliverableA copy of the delivery failure was emailed to Mrs*** today and with the request that she provide a copy of the estimate to our officeAs of this writing, we have not received the requested documentation.The above referenced file remains open pending further documentation to support a supplemental claimIf you have any additional questions regarding the claim please feel free to contact the undersigned at ###-###-####.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at ***@nationwide.com
We have received and reviewed Ms*** rejection to our original response concerningreimbursement of deductible.As stated in our original response, we have reviewed the phone calls between Ms***and the claim associateUpon review, we determined that the information provided to Ms.*** was correct and the advancement of deductible from State Farm would be applyto the balance of repairs.During those phone conversations, the claim associate advised Ms*** that shewould not have out of pocket expenses; based on the understanding that her $1500.00deductible would come from State Farm.Ms*** elected to utilize her Collision coverage for repairs and vehicle assignmentwas sent to our preferred body shop for repairsThe claim associate explained that wewould pay the shop for repairs and she would need to pay the $deductible (checkreceived from State Farm).We have confirmed with State Farm that $was paid to her prior to completion of therepairsBased on the information, we provided to Ms*** we will release payment forthe remainder of her deductible in the amount of $450.00.I spoke with Ms*** on August 4, 2016, and explained our findings and conversationwith State Farm and sent the remainder of her deductible in the amount of $I also advised of the next steps in the claim process.If you require further assistance, please contact our Customer Relations Coordinator,Christine G***, at ###-###-#### or by email at g***[email protected],Shonethia M***Claims Manager###-###-####***@nationwide.com
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for Ms*** *** and to
address her concerns about the policy
On 08/19/2015, Ms*** purchased a six month insurance
policy from the Nationwide Sales
Solutions with a bill plan of 16.7% down and
installments
Ms*** made a payment of $to start the policy on
08/19/Ms*** was advised that it was a partial paymentThe full
down payment amount required was $
On 09/04/2015, a Notice of Installment Due was mailed to Ms
*** advising an amount due of $This amount included the outstanding
$remaining from the down paymentMs***’s installments were $
as agreed upon during the quoting process
On 10/04/2015, no payment was received and the policy
cancelledThere is an outstanding balance in the amount of $
If you require further assistance in this matter, please
contact our Customer Relations Coordinator, Charity W*** at ###-###-#### or by email at ***
Sincerely,
Alexandria C***
This
letter is in response to your request for additional information pertaining to
the above file
Our records indicate the payment of $was received on
December 8, 2014. The payment paid the
collection balance due on the Nationwide Mutual Policy. The balance was due for coverage provided up to
the cancellation date of December 21,
The check would not be sent back as it paid for coverage
provided as stated above
Thank you for allowing me the opportunity to assist you and if you
have any questions regarding the
information I have provided you may contact me at ###-###-####,
Ext. *** or my email address is ***
Sincerely,
Erica D***
*** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number *** for *** *** and to address her concerns about the policy.On 10/03/2016, Mrs*** purchased a six-month insurance policy from the *** ** *** agency with a bill plan of 20%
down and five installments.On 10/04/2016, underwriting reviewed the policy and determined that Mr*** was ineligible to be a rated driver as his motor vehicle report indicated his license had been surrenderedA memo was sent to both Mrs*** and the *** ** *** agency advising a valid license was needed for Mr*** or the policy would be set up for cancellation.On 10/05/2016, the member service center was contacted by the agency to see if Mr*** could be excluded from coverage with a signed exclusion form, which they provided the same dayThe Member Care Representative changed Mr*** from a rated driver to an excluded driver effective 10/05/At no point was Mr*** ever removed from Mrs***’s policyIn addition, the GMC Sierra (VIN 1GTEK19T3YE300665) on the policy since inception was replaced on 10/05/with a Volkswagen Jetta (VIN ***).Mr*** had advised the agency that the issue with his driver’s license happens frequently as there is another *** *** with a similar license number that differs by one digit, and that the information coming back is for this other *** ***On 10/19/2016, the agency contacted the member service center to rate Mr*** as a driver as well as re-add the original GMC Sierra (VIN ***) to the policyA declarations page reflecting Mr*** as a rated driver was sent to Mrs*** on 10/20/2016.On 11/09/2016, a signed request for cancellation effective 11/04/was received in the member service center, and the requested cancellation was processedThe request was signed by Mr*** and listed both Mrand Mrs***Once cancelled, an outstanding balance for days of coverage for Mr*** and the GMC Sierra remained on the policyA notice of the $outstanding balance was mailed to Mrs*** on 12/19/when payment was not received, indicating that if payment was not made by 01/03/the amount could be turned over to the collections department.On 03/24/2017, Mrs*** contacted the member service center and was advised by the Member Care Representative that Mr*** could be removed from the policy once proof of other coverage for the dates he was on our policy was receivedWith proof of other insurance for Mr*** and the GMC Sierra, we could go ahead and back date remove both, correcting the outstanding balance.If you require further assistance, please contact our *** *** *** Lance R***, at ###-###-#### or by email at ***
Sincerely,Jillian J***
We are in receipt of your correspondence dated June 14, as it pertains regarding the above captioned policyI will be happy to respond on her behalf.Effective September 8, 2016, the above referenced Home policy cancelled for non-payment of premium On November 17, 2016, Nationwide Private
Client received a letter with the cancellation notice requesting that the effective date of the cancellation be amended to August 2, as the property was soldOn November 18, 2016, Nationwide Private Client Customer Service replied and advised the customer to contact their agent and secure a signed Lost Policy Release in order to amend the cancellation date to August 2, We require a signed Lost Policy Release when cancelling a policy prior to the expiration date of the policy.Since we did not receive a Lost Policy Release from the agent or customer, the outstanding premium was sent to Collections.In order for us to amend the date, we will need a signed Lost Policy release or a copy the Escrow closing papers showing the home was sold on August 2, The customer can work with their agent on the Lost Policy Release or send a copy of the Escrow paperwork directly to the email address the customer sent his original email: [email protected] the meantime, we will place a hold on the Direct Collections process until July 7th allowing the customer time to send us the necessary paperwork.Should you require any further assistance in this matter, please contact our *** *** ***, Patty G*** at ###-###-#### or via email at ***Sincerely,Greg B*** *** * ***
In response to the supplemental inquiry of June 19, by *** *** at *** *** *** ***, please allow this letter to serve as our responsePrior to this inquiry we were in communication with *** *** where he revealed that he does not have earlier reported receiptsWith this understanding, we reviewed the basis for loss payments with Mikhail and he is in agreement with the loss payments issued today as follows:*** $8,Utility $3,*** $2,Utility $3,929.03If you require further assistance, please contact our Customer Advocacy Coordinator, Patty G***, direct at ###-###-#### or via email ***Thank you.Sincerely,Kent M***Claim Manager - E&S/Specialtycc: *** *** *** *** *** ** *** **
*** ** ***
Our records indicate a billing notice was sent for $137.29, which indicated a payment would be deducted from
the insured’s bank account on or after February 2,
On February 1, 2013, *** *** contacted our Service Center and requested the draft for
February 2, be stopped
so she could make a payment manuallyThe February draft was stopped,
however, a payment was not received
A Notice of Cancellation was sent for $due February 24, or the policy would cancel effective
February 25, There was no payment received and the policy cancelled for non payment of premium
The policy renewal date was September 2, and the policy cancelled February 25, During this time
period a total of $was chargedA total of $was received during the above time frameThe
$total charged minus the $total received in payments equals $balance due bill
On March 8, the balance due bill for $was sent to the insured stating that this amount was due by
March 27, It was explained on this bill that the balance was for coverage provided from September 2,
to the cancellation date of February 25,
The following documents have been attached for your review:
Policy Declarations
Bill
Notice of Cancellation
Proof of Mailing
Balance Due Bill
If you require further assistance, please contact Customer Relations Coordinator, Jane G*** at ###-###-####,
or by email at *** between the hours of 8:AM and 4:PM
Sincerely,
Erica D***
*** ***
This
letter is in response to the inquiry received from your office on November 11,
Nationwide
received a claim on November 3, for damage to a shower door in Mr***’
homeThe claim was assigned to Malik B*** for handlingThe quote for the
shower door was received on November 4, The assigned associate was then
out of the office from November until November 9, Upon his return,
payment was issued and the file concluded
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Matt
G***
*** ***
Thank you for the opportunity to respond to Mr*** concerns regarding the above referenced auto policy.Review of the policy indicates it was written as new business on December 30, At the time of new business, *** ***, Mr*** wife, was listed as an excluded driver on
the policyThe reason provided for the exclusion was she had left the country to care for family and never returnedUnderwriting set the policy up for rejecting due to no signed exclusion form or valid reason for exclusionThe cancellation notice was mailed on March 19, with a cancel effective date of April 2, 2015.On March 29, 2015, Mr*** contacted our Member Care Services to inquire on the status of the policyThey indicated that the signed exclusion form was still needed for *** *** prior to April 2, to avoid cancellation of the policyHe asked that the form be emailed to him in order to complete and send back.On April 1, 2015, Mr*** again contacted Nationwide Member Care Services, he advised that Ms*** was now back in the country, but not residing in the same household with himOn the same date he also called back to ask if she was able to be listed as a principal driver, and the policy reversed, until he was able to provide additional information.Nationwide Underwriting approved the reversal of the policy, and rating of Ms*** as a principal driverOn April 2, 2015, our Member Care Representative contacted Mr*** times to inform him that his policy had been activated without a lapse in coverage, and Ms*** was rated as a principal driverThe representative was unable to reach Mr*** or leave a voicemail as it was fullAnother attempt was made to contact Mr*** on April 3, with the same result.The policy cancelled effective May 18, for non payment of premiumCollection notice in the amount of $was mailed to the customer on May 22, 2015.A break down of the amount due is as follows:Auto policy ** ** * *** started December 30, 2014, with a six-month premium of $Therewas an increase of $to rate Ms*** as a driver effective April 2, Effective April2, 2015, the SmartRide discount was removed causing a $increase in premiumOn April 7,2015, the Motor Vehicle Report was returned for Ms*** and the Accident Free discountwas removed effective April 2, 2015, causing a $increaseOnly three payments were receivedon the policy December 31, 2014, $43.63, January 30, 2015, $and February 28, 2015, $44.29;totaling $The policy cancelled on May 18, 2015, for non-payment removing $inunearned premium; leaving a collection amount of $98.45.Nationwide is unable to remove the amount due of $on the policy, as Mr*** advised hewould like to rate her as a principal driver until further information could be providedPolicy wasactivated and premium was not paid by Mr***, resulting n the cancellation for non payment ofpremium.If you have any further questions or concerns, please contact our Customer Relations Coordinator,*** ***, at ###-###-####, or email at ***Sincerely,Kristin MittasPersonal Lines Compliance Specialist
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
I am rejecting this response because: was lied to at start of sale that I had vanishing deduction at start of process
Regards,
*** ***
June 9,
MsCatherine McLaughlin
Dispute Resolution
Revdex.com of Columbus Ohio
Dublin Road
Columbus, OH 43215-
Company Name: Nationwide Property & Casualty Insurance Company, NAIC #:
Revdex.com Complaint #:
Complainant: Kelly
***
NW Policy#: 5345V
Dear *** ***
This letter is in response to the inquiry we received on June 4, regarding the above referenced policyholder, *** ***
On December 2, the *** *** agency spoke with Ms*** when she contacted the office to notify them that she was officially the owner of the vehicle on policy *** and a spinoff policy *** was written in her name with the same coverage she had on the prior policy
There is a finding of no error as there has been no documented request for LOU/Rental coverage either on Ms***'s prior policy or on her current policy. When her vehicle was added to the policy, there also was no request for LOU/Rental coverage
In addition, we sent the inception declaration page to the member on December 18, It was mailed to the members address listed on the policy and a copy is attached. Also, a copy of the dec page of the policy is attached
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
Police y #*** They are in the business of advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the years I have used them for my ten year toy poodle only to let me down big time!
Regards,
*** ***
I did receive the refund of the last payment of $approx. What I have is a paid fine to the *** *** State DMV - for over $from a fine based on me not having insurance for that time
I have reviewed the inquiry received from *** *** regarding his homeowners policy insured with Depositors Insurance CompanyHe inquired about the changes made to his policy and subsequent premium due when cancellation was requested.The home policy for Mr*** was new business with our
company effectiveDecember 30, It was cancelled per his request on March 1, During this time, changes were made to his policy that result in additional premium dueOn all new business, companies are afforded a specified number of days in which to make changes and review eligibility of a riskThis is often referred to as the “discovery period”The changes made to Mr***’s policy were:? January 11, effective the original policy date of December 30, 2015: The protection class was updated to reflect the distance to a fire hydrant as being over 1,feetThis resulted in additional policy premium of $373.55.? January 31, effective the original policy date of December 30, 2015: The dwelling coverage amount was increased based on the replacement value from the inspection of January 26, This resulted in additional policy premium of $241.27.Payments were received via one time electronic funds transfers on December 28, for $and February 4, for $The policy was set up on recurring EFT on February 4, per the agent’s request.Mr*** requested cancellation of the policy to be effective March 1, A premium breakdown based on this cancellation date, changes made within the discovery period of the policy, and payments received on the policy is attached for referenceIf the insured obtained replacement coverage prior to the March 1, cancellation date, we can backdate the cancellation of this policy to that date with a copy of the replacement coverage.If further assistance is needed in this matter, please contact me directly at ###-###-####.Sincerely,Gale G*** *** *** ***
We have received a request to review your claim as it pertains to your concerns with the vehicle repairs and rental chargesAs was discussed with you in November 2016, the decal originally installed by the manufacturer on your vehicle has been discontinued and a replacement decal is provided
* *** *** ***
through FordWe realize the replacement decal is not the same as was on the vehicleUnfortunately this is not something we can resolve, as the original decal is no longer availableThe shop has issued payment to you for the decal and labor, and a check is included with this communicationWe will also send you payment to allow for one (1) day of rental, which will be required to install another decal should you chose to go this route.As for the cost you incurred for Collision Deductible Waiver (CDW) when you obtained the rental vehicle from Enterprise, we would owe this if you do not have collision coverage on the vehicle involved in the lossWe will be happy to reimburse you for this cost but will need a copy of your policy declaration page to show you had no collision coverage during the time the rental was obtained.Thank you for choosing us for your important insurance protectionIf you have any questions or concerns, please contact me at ###-###-#### or ###-###-####.Sincerely,Chris F
*** *** *** *** ***
*** *** ** ***
Thank you for your inquiry concerning the above named memberBelow is my response to theirconcerns about an amount due after the auto policy cancelled for non payment of premium effectiveJanuary 16, 2015.On November 24, we sent a bill for $due on December 18, On December 30,
we hadn’t received a payment and mailed a Notice of CancellationThis notice stated that anamount of $must reach us by January 15, or the policy would cancel January 16, 2015.No payment was received and the policy cancelled for non payment of premium effective January 16,The amount owed to us is for coverage from December 18, to January 16, in theamount of $198.07.In reviewing the policy notes, there was an attempt by the member to cancel the policy but he refusedto sign a cancellation request effective the day he advised he received insurance elsewhereTheagency advised him if he cancelled the policy prior to receiving insurance elsewhere, he would have alapse in coverageHe refused to sign the cancellation request form and left their officePlease seepolicy note below.If the member can provide me proof of coverage via declarations page of when he received insuranceelsewhere, I would be happy to adjust the cancellation dateMy contact information is, fax number###-###-####, email *** and my direct phone number is ###-###-####.Once I have proof that he received insurance elsewhere, I will adjust the policy and mail him a letteradvising the policy has been adjusted.If you should have any other requests or questions regarding this matter, please contact me at ###-###-####.Sincerely,Tiffany C*** ***
Consumer contacted Revdex.com stating the matter has been resolved satisfactorally and can be closed
We acknowledge receipt of your follow up inquiry dated September 14, We are responding to a response from Mrs*** where she provided a copy of an email suggesting amounts that were not covered by the other carrier.As outlined in our previous communications with Mrs***, the email provided is insufficient to support her claimShe will need to provide copies of the actual invoice for emergency mitigation and either the invoice with a complete breakdown of the repairs completed or a contractor’s estimate on the company document with a complete breakdown of anticipated repairsMrs*** advised she would forward a copy of the emergency mitigation receipt as well as the contractors estimate for us to review for a supplemental payment.On September 16, an email was sent directly to Mrs***’s contractor in order to obtain a copy of his repair estimateThe email was returned as undeliverableA copy of the delivery failure was emailed to Mrs*** today and with the request that she provide a copy of the estimate to our officeAs of this writing, we have not received the requested documentation.The above referenced file remains open pending further documentation to support a supplemental claimIf you have any additional questions regarding the claim please feel free to contact the undersigned at ###-###-####.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at ***@nationwide.com
We have received and reviewed Ms*** rejection to our original response concerningreimbursement of deductible.As stated in our original response, we have reviewed the phone calls between Ms***and the claim associateUpon review, we determined that the information provided to Ms.*** was correct and the advancement of deductible from State Farm would be applyto the balance of repairs.During those phone conversations, the claim associate advised Ms*** that shewould not have out of pocket expenses; based on the understanding that her $1500.00deductible would come from State Farm.Ms*** elected to utilize her Collision coverage for repairs and vehicle assignmentwas sent to our preferred body shop for repairsThe claim associate explained that wewould pay the shop for repairs and she would need to pay the $deductible (checkreceived from State Farm).We have confirmed with State Farm that $was paid to her prior to completion of therepairsBased on the information, we provided to Ms*** we will release payment forthe remainder of her deductible in the amount of $450.00.I spoke with Ms*** on August 4, 2016, and explained our findings and conversationwith State Farm and sent the remainder of her deductible in the amount of $I also advised of the next steps in the claim process.If you require further assistance, please contact our Customer Relations Coordinator,Christine G***, at ###-###-#### or by email at g***[email protected],Shonethia M***Claims Manager###-###-####***@nationwide.com
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for Ms*** *** and to
address her concerns about the policy
On 08/19/2015, Ms*** purchased a six month insurance
policy from the Nationwide Sales
Solutions with a bill plan of 16.7% down and
installments
Ms*** made a payment of $to start the policy on
08/19/Ms*** was advised that it was a partial paymentThe full
down payment amount required was $
On 09/04/2015, a Notice of Installment Due was mailed to Ms
*** advising an amount due of $This amount included the outstanding
$remaining from the down paymentMs***’s installments were $
as agreed upon during the quoting process
On 10/04/2015, no payment was received and the policy
cancelledThere is an outstanding balance in the amount of $
If you require further assistance in this matter, please
contact our Customer Relations Coordinator, Charity W*** at ###-###-#### or by email at ***
Sincerely,
Alexandria C***
This
letter is in response to your request for additional information pertaining to
the above file
Our records indicate the payment of $was received on
December 8, 2014. The payment paid the
collection balance due on the Nationwide Mutual Policy. The balance was due for coverage provided up to
the cancellation date of December 21,
The check would not be sent back as it paid for coverage
provided as stated above
Thank you for allowing me the opportunity to assist you and if you
have any questions regarding the
information I have provided you may contact me at ###-###-####,
Ext. *** or my email address is ***
Sincerely,
Erica D***
*** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number *** for *** *** and to address her concerns about the policy.On 10/03/2016, Mrs*** purchased a six-month insurance policy from the *** ** *** agency with a bill plan of 20%
down and five installments.On 10/04/2016, underwriting reviewed the policy and determined that Mr*** was ineligible to be a rated driver as his motor vehicle report indicated his license had been surrenderedA memo was sent to both Mrs*** and the *** ** *** agency advising a valid license was needed for Mr*** or the policy would be set up for cancellation.On 10/05/2016, the member service center was contacted by the agency to see if Mr*** could be excluded from coverage with a signed exclusion form, which they provided the same dayThe Member Care Representative changed Mr*** from a rated driver to an excluded driver effective 10/05/At no point was Mr*** ever removed from Mrs***’s policyIn addition, the GMC Sierra (VIN 1GTEK19T3YE300665) on the policy since inception was replaced on 10/05/with a Volkswagen Jetta (VIN ***).Mr*** had advised the agency that the issue with his driver’s license happens frequently as there is another *** *** with a similar license number that differs by one digit, and that the information coming back is for this other *** ***On 10/19/2016, the agency contacted the member service center to rate Mr*** as a driver as well as re-add the original GMC Sierra (VIN ***) to the policyA declarations page reflecting Mr*** as a rated driver was sent to Mrs*** on 10/20/2016.On 11/09/2016, a signed request for cancellation effective 11/04/was received in the member service center, and the requested cancellation was processedThe request was signed by Mr*** and listed both Mrand Mrs***Once cancelled, an outstanding balance for days of coverage for Mr*** and the GMC Sierra remained on the policyA notice of the $outstanding balance was mailed to Mrs*** on 12/19/when payment was not received, indicating that if payment was not made by 01/03/the amount could be turned over to the collections department.On 03/24/2017, Mrs*** contacted the member service center and was advised by the Member Care Representative that Mr*** could be removed from the policy once proof of other coverage for the dates he was on our policy was receivedWith proof of other insurance for Mr*** and the GMC Sierra, we could go ahead and back date remove both, correcting the outstanding balance.If you require further assistance, please contact our *** *** *** Lance R***, at ###-###-#### or by email at ***
Sincerely,Jillian J***
We are in receipt of your correspondence dated June 14, as it pertains regarding the above captioned policyI will be happy to respond on her behalf.Effective September 8, 2016, the above referenced Home policy cancelled for non-payment of premium On November 17, 2016, Nationwide Private
Client received a letter with the cancellation notice requesting that the effective date of the cancellation be amended to August 2, as the property was soldOn November 18, 2016, Nationwide Private Client Customer Service replied and advised the customer to contact their agent and secure a signed Lost Policy Release in order to amend the cancellation date to August 2, We require a signed Lost Policy Release when cancelling a policy prior to the expiration date of the policy.Since we did not receive a Lost Policy Release from the agent or customer, the outstanding premium was sent to Collections.In order for us to amend the date, we will need a signed Lost Policy release or a copy the Escrow closing papers showing the home was sold on August 2, The customer can work with their agent on the Lost Policy Release or send a copy of the Escrow paperwork directly to the email address the customer sent his original email: [email protected] the meantime, we will place a hold on the Direct Collections process until July 7th allowing the customer time to send us the necessary paperwork.Should you require any further assistance in this matter, please contact our *** *** ***, Patty G*** at ###-###-#### or via email at ***Sincerely,Greg B*** *** * ***
In response to the supplemental inquiry of June 19, by *** *** at *** *** *** ***, please allow this letter to serve as our responsePrior to this inquiry we were in communication with *** *** where he revealed that he does not have earlier reported receiptsWith this understanding, we reviewed the basis for loss payments with Mikhail and he is in agreement with the loss payments issued today as follows:*** $8,Utility $3,*** $2,Utility $3,929.03If you require further assistance, please contact our Customer Advocacy Coordinator, Patty G***, direct at ###-###-#### or via email ***Thank you.Sincerely,Kent M***Claim Manager - E&S/Specialtycc: *** *** *** *** *** ** *** **
*** ** ***
Our records indicate a billing notice was sent for $137.29, which indicated a payment would be deducted from
the insured’s bank account on or after February 2,
On February 1, 2013, *** *** contacted our Service Center and requested the draft for
February 2, be stopped
so she could make a payment manuallyThe February draft was stopped,
however, a payment was not received
A Notice of Cancellation was sent for $due February 24, or the policy would cancel effective
February 25, There was no payment received and the policy cancelled for non payment of premium
The policy renewal date was September 2, and the policy cancelled February 25, During this time
period a total of $was chargedA total of $was received during the above time frameThe
$total charged minus the $total received in payments equals $balance due bill
On March 8, the balance due bill for $was sent to the insured stating that this amount was due by
March 27, It was explained on this bill that the balance was for coverage provided from September 2,
to the cancellation date of February 25,
The following documents have been attached for your review:
Policy Declarations
Bill
Notice of Cancellation
Proof of Mailing
Balance Due Bill
If you require further assistance, please contact Customer Relations Coordinator, Jane G*** at ###-###-####,
or by email at *** between the hours of 8:AM and 4:PM
Sincerely,
Erica D***
*** ***
This
letter is in response to the inquiry received from your office on November 11,
Nationwide
received a claim on November 3, for damage to a shower door in Mr***’
homeThe claim was assigned to Malik B*** for handlingThe quote for the
shower door was received on November 4, The assigned associate was then
out of the office from November until November 9, Upon his return,
payment was issued and the file concluded
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Matt
G***
*** ***
Thank you for the opportunity to respond to Mr*** concerns regarding the above referenced auto policy.Review of the policy indicates it was written as new business on December 30, At the time of new business, *** ***, Mr*** wife, was listed as an excluded driver on
the policyThe reason provided for the exclusion was she had left the country to care for family and never returnedUnderwriting set the policy up for rejecting due to no signed exclusion form or valid reason for exclusionThe cancellation notice was mailed on March 19, with a cancel effective date of April 2, 2015.On March 29, 2015, Mr*** contacted our Member Care Services to inquire on the status of the policyThey indicated that the signed exclusion form was still needed for *** *** prior to April 2, to avoid cancellation of the policyHe asked that the form be emailed to him in order to complete and send back.On April 1, 2015, Mr*** again contacted Nationwide Member Care Services, he advised that Ms*** was now back in the country, but not residing in the same household with himOn the same date he also called back to ask if she was able to be listed as a principal driver, and the policy reversed, until he was able to provide additional information.Nationwide Underwriting approved the reversal of the policy, and rating of Ms*** as a principal driverOn April 2, 2015, our Member Care Representative contacted Mr*** times to inform him that his policy had been activated without a lapse in coverage, and Ms*** was rated as a principal driverThe representative was unable to reach Mr*** or leave a voicemail as it was fullAnother attempt was made to contact Mr*** on April 3, with the same result.The policy cancelled effective May 18, for non payment of premiumCollection notice in the amount of $was mailed to the customer on May 22, 2015.A break down of the amount due is as follows:Auto policy ** ** * *** started December 30, 2014, with a six-month premium of $Therewas an increase of $to rate Ms*** as a driver effective April 2, Effective April2, 2015, the SmartRide discount was removed causing a $increase in premiumOn April 7,2015, the Motor Vehicle Report was returned for Ms*** and the Accident Free discountwas removed effective April 2, 2015, causing a $increaseOnly three payments were receivedon the policy December 31, 2014, $43.63, January 30, 2015, $and February 28, 2015, $44.29;totaling $The policy cancelled on May 18, 2015, for non-payment removing $inunearned premium; leaving a collection amount of $98.45.Nationwide is unable to remove the amount due of $on the policy, as Mr*** advised hewould like to rate her as a principal driver until further information could be providedPolicy wasactivated and premium was not paid by Mr***, resulting n the cancellation for non payment ofpremium.If you have any further questions or concerns, please contact our Customer Relations Coordinator,*** ***, at ###-###-####, or email at ***Sincerely,Kristin MittasPersonal Lines Compliance Specialist
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***