This letter is in response to the concerns filed by Ms*** regarding the change in premium forthe Auto policyRoadside Assistance was added to the policy effective August 20, causing a$increase for the remainder of the termThis caused the bills to increase to $
Thisrepresents the $premium plus a $monthly installment fee.The policy application shows the premium $1,097.70; when the policy was fully processed thepremium was $1,which is a difference of $The Easy Pay discount had been applied atthe time the policy was written giving a credit of $Since the account did not qualify for the EasyPay discount, the system removed it during the discovery periodA manual credit has been applied tothe policy of $to off set the difference in the quoted premium and the discount given incorrectly.The Member called to advise Roadside Assistance should not have been addedRoadsideAssistance and the Easy Pay discount were removed causing an increase of $During review ofthe policy for the complaint two discounts were found to be applicableMs*** lives in thehome with another Nationwide Member making the policy eligible for Multicar discount and Ms.*** holds a Tenant policy with Nationwide and the other Member, so this qualifies for theHome and Car discountBoth have been applied to the policy giving a credit of $being spreadout over the five remaining bills giving a credit of $on each billThe current bill is $andthe future bills will be $The difference in the two bills is due to the $increase not beingapplied until the October bill.The phone call with the manager has been reviewedHe was unable to explain the rate change andreferred it on to EscalationsFeedback has been provided to all concerned regarding the change andthe handling of this call.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, ###-###-#### or ***Sincerely,Meg M***
I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $bonusShe has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per household.I do
apologize for our errorThe bonus has been posted to the checking accountWe appreciate the opportunityto research and correct our error.Sincerely,Anne C*** *** *** ***Nationwide Bank
[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:
Regards,
*** ***I was in pursuit of suing the dealer I purchased the vehicle from I can obtain police report to back that fact up due to an altercation that took place in which the dealer send treats with a weapon when I approach him and my partner in regards to him upholding his agreement, additional forms indicating the frequent mechanical and work that were perform as well as a similar incident that happen to a person that was driving my vehicle and it malfunction and hit a nursing home rail I can obtain picture and any documents to back that fact up and a notarized letter from the personnel that was driving my vehicleI had moved from that address that the statement was address toTo * *** *** I was not aware of this letter if so I would have abruptly took action in this matter I receive no notification regarding to the person that was suing Nationwide for property damage never a call, email, nor letter to at least to let me the customer be aware of what and why my abstract is saying at fault when prior it was no fault, Nationwide is not on any ones side except their own sadly then once I refuse to pay to the new rates once I called several time and finally got in touch with Erick N*** in not Judd L*** who dealt with every thing nor Sharon J*** nor Roger whom took an extended time period to come to the facility to view my car after the incident even the owner at the shop was inquiring about the service that I was dealt with in then Roger look at it like five to ten minutes and that was it I was told by the owner of the shopi know they did not complete any mechanical check..matter of fact I spoke with Emily R*** whom told me if I want to follow up with any mechanical proceeding with the *** *** that I have to contact the dealer I was suing to process those services and said there is no additional actions Nation wide will be takingobviously the dealer will not discredit himself and dealership any further than it is already called *** *** ** *** NYSo I feel like i'm at a stand stilli can no longer pursue with the suing of the dealer due to the negligence in Nationwide ability in checking the vehicle properly
This letter is in response to the additional information sent in by Mr*** to adjust the cancellation date on the Auto policyThe Auto policy originally cancelled per Mr***’s request effective February 10, and there was a remaining balance of $for unpaid coverage provided up to the cancellation date Mr*** provided proof of insurance with *** effective February 4, The cancellation date on the Auto policy has been adjusted to February 4, This has adjusted the balance due for coverage provided up to the cancellation date to $ If you require further assistance, please contact *** *** at ###-###-#### or by email at *** Sincerely, *** *** SrAnalyst
Per our discussion this morning, I am attaching a copy of the condition report from Toyota Financial, for the Toyota PriusThis report was completed by them on 7/21/Per the report, the only repairs needed are for the front right tire, front left tire and the left fender from wear and tear There are no charges owed by the insured, Mrs*** *** for this or the bumperPlease let me know if you have any questions or require any additional information
July 8, *
*** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*
*
*** *** **
***
*** *** *** ***
*** *** *** ***
*** ** ***
*** *** *** *** *** *** ** ***
*** ** ***
*** *** ** ***
* Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her concerns with the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe have reviewed the concerns expressed by *** *** and will attempt to address them in this letter An explanation of *** *** billing account for the above referenced policy is listed below. A copy of the complete premium and payment history for the last term is enclosed for your reference Due to the late payment of the bill due on June 19, 2015, the premium due for July billed together with the August installment. The August installment reflected the balance due on the policy for the policy term March 19, 2015, until September 19, 2015. The renewal premium effective September 19, 2015, increased due to a rate adjustment and a chargeable accident dated January 4, 2015. The semi-annual premium increased from $to $1, Due to the late payment of the bill due on August 19, 2015, the premium due for September billed together with the October installment. The policy cancelled effective November 9, 2015, for non-payment of the renewal premium and a refund of $issued. The reinstatement payment dated November 27, 2015, was dishonored for insufficient funds. This caused the account to bill the premium with one less month in the billing cycle. Due to the late payment of the bill due on January 27, 2016, the premium for February billed together with the March installment. The policy cancelled effective April 17, 2016, for non-payment of premium Below is information pertaining to the claim filed on January 4, and the chargeability of that loss and the increase in premium A claim was filed with our Company with a loss date of January 4, 2015. Per the claims investigation it was determined that *** ***, was the operator of the *** ***There is no information in the file from the vehicle inspection to indicate that there were any mechanical issues that caused the vehicle to leave the roadway during icy conditions. Our filed and approved rating plan with the State of New York indicates that an accident is chargeable if the insured driver was involved in an accident that resulted in damage to any property in excess of $2,000. Due to the total amount of $2,being paid in Property Damage coverage, the January 4, loss would be chargeable according to our approved filed rating plan. On November 27, *** *** auto policy was reinstated with our Company and a revised policy declarations was mailed to her on December 2, 2015. The chargeability of the January 4, loss was being applied accordingly. A copy of the policy declarations are attached for your reference We appreciate the opportunity to review *** *** business, and hope that this information will help to address her concerns If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or by email at *** Sincerely, Suzana K*** Manager, Support Services Operations Nationwide ###-###-####
*** *** ***
*** *** Tell us why here
the short rate clause isn't found in my own records and the supposed clause that is reference in the company's response doesn't disclose that rate to consumers
Regards, *** ***
I am in receipt of your inquiry submitted, November 2, 2016.Ms*** called Nationwide to purchase and Auto policy July 17, The policy *** ***was issued with a six-month premium of $The policy was issued with a for Paperless PolicyDeliveryThe Paperless policy delivery was agreed
to by Ms*** during the quote and bindprocess along with a reminder to complete online registration to access electronic documentsMs.*** was advised to pay close attention to any documents that may arrive by e-mail as it could affectthe rate or eligibility.The Paperless Policy Delivery was removed August 19, This caused a $increase due toMs*** not completing the online registrationOur records indicate Ms*** contacted NationwidePersonal Lines Services on October 27, The Paperless Policy Delivery was agreed to beadded back to the policy as a back dated change Ms*** made a request to remove rental carcoverage from the policyThis combination of changes decreased Ms***’s premium by a total of$30.40.An error occurred when the Personal Lines Processing department attempted to adjust the Octoberbill to even out the monthly installmentsThe October bill was cleared to re-bill with the adjustedamount; however, the due date was changed to November instead of back to October which causedthe premium to be divided over one less month for the term .Ms*** contacted Nationwide Personal Lines Services November 3, Ms*** has agreed topay the back payment for OctoberOnce the payment for October is made, the November bill willreflect the correct agreed upon monthly premium.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, at###-###-#### or by email at ***Sincerely,Daniel M***
To Whom it May Concern:Please accept this letter as a formal response to the questions regarding the Work Training Center, Inc403(b) Plan (Plan), administered by *** Administrative ServicesInc (TPA) and serviced by Nationwide Financial (Nationwide)I appreciate the opportunity to
address any concerns.Ms*** requested an additional loan from her 403(b) account on December 4, On the same day, the loan was approved by the TPAThere were unfortunately system limitations that were preventing a good order processing for the loanAs of December 9, 2015, the vesting information on Ms***'s account has been updatedAs of December 10, 2015, all system issues have been resolved and Ms***'s loan has been requested and approvedThe funds for the loan have issued out via direct deposit today, December 11, 2015.I have spoken with Ms*** and outlined both the sequence of events that led to the issue as well as the current state of the situationI sincerely apologize for any inconvenience this situation has causedShould you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.m Eastern time.Sincerely
This letter is in response to the rejected offer made by Nationwide Insurance regarding the complaint dated May 12, 2016.With the insured’s policy a total credit in the amount of $1,was placed on the policy for prior taxes that were collected on the insurance policyHowever, as the policy
did have a balance for the current insurance term, this credit paid for the remaining balance due on the current term and a refund was issued for the remaining $of credit.As the insured has since cancelled the insurance policy effective June 1, a second refund was issued in the amount of $for unearned premium and was mailed on June 7, A billing breakdown has been included detailing how the credit was applied to the account.If you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at *** .Sincerely,Stephen Y***
Thank you for your recent inquiry regarding correspondence you received from *** ***. We are aware of Mr***’s concerns and feel we have been diligent, respectful and professional in considering and addressing all. The cloths and shoes in question were cleaned with
Mr***’s consent by qualified, professional vendors with expertise in water and fire restoration. Upon completion, the ***s questioned whether the items had been properly restored. We met the ***s at the vendor location and inspected the items in question with them. There was not a consensus agreement between the parties regarding the articles in question. In an effort to resolve the matter, we had the ***s select a sampling of items they felt were not properly restored and had them sent to the International Textile Analysis Laboratory for testing. They performed “chemical, Spectra-Light multi-spectrum tests (including ultra-violet light), high-powered microscopic examinations, colorfastness, stability, as well as other extensive and complete testing of all components”. All results and testing did not show “any water damage, mold or mildew, odor, chemicals, residues or foreign soils”. Furthermore, these tests revealed that the items tested did not exhibit any of the problems or concerns expressed by the ***s, which were specifically that the items had “a change in appearance and were ruined”. The analysis found there was “no evidence of any local or dimensional changes.” The testing also found there was “no evidence of fabric weakening, fabric damage or texture change fading or discolorations associated with heat, water, smoke or professional cleaning”. They also opined that all the items tested had been “properly handled in restoration and is presently in the condition that it was in prior to any smoke exposure”. Their final conclusion for the items tested state they did not find any stains or residue or odor in the items tested from causes such as fire, fire suppression, water, smoke, special chemical odor- removal treatments or any other cleaning compounds”. They also found that the tests did not indicate the articles had been “shrunk, distorted, damaged, discolored or has any color or texture changes from exposure to smoke or any recent professional fire restoration care procedures”. These results were shared with the ***s. The ***'s are not in agreement with the results, but have not provided any physical evidence, or qualified analysis, to support their position. Mr*** has subsequently provided opinions by various other vendors and we have reviewed each and respectfully followed up on all. In short, the ***s appear to simply desire to have items replaced despite the lack of evidence or qualified opinions to justify and support doing so. Mr*** also alleges Nationwide Mutual Fire Insurance Company has not “allowed for the replacement of our property without us supplementing the funds with barrowed money”. We disagree and deny we have not properly applied the ***'s coverage in this case. Nationwide Mutual Fire Insurance Company has properly and promptly paid the ***s per the provisions of their policy of insurance and will continue to do so We strive to meet our customer’s needs and expectations while enforcing the terms and conditions of their contract. We also understand that despite our sincere efforts to assist, sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me. Thank you for bringing this matter to our attention. Sincerely, Shea S***
[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 informed by *** ***, Nationwide Insurance's adjustor, that if there were any additional charges to repair my car above what the estimate listed the repair shop would send an itemized report, to him, and the additional sum would be paid by Nationwide. *** *** stated " sometimes they find more that needs to be fixed once they get in thereIf they do find anything that needs to be done then they send me a report and we send them a check for the extra amount". Furthermore, the repair shop I chose didn't do any more than necessary to repair my carI didn't "commission" anything more than properly repair the damaged car. The information you have been given by Nationwide Insurance is falseThey agreed to pay for the damages in fullThis, they haven't done. I had my car insured to address repairs in case of an accidentI certainly didn't pay my premiums for partial payment of repairs. I suggest you contact * *** * *** *** in Hickory, North Carolina to verify that you have been given information from Nationwide Insurance.
Regards,
*** ***
Our records indicate the Auto policy mentioned above has been listed at the address of *** *** *** *** *** ** *** from inception of the policy. The billing account also has the same address listed, however, is set up on Paperless billing. This means that
bills are sent to the email address on file
Our records indicate a bill was generated for $due December 1, 2014. After no payment was received a Notice of Cancellation (NOC) was sent for $due December 25, or the policy would cancel effective December 26,
There was no payment received and the policy cancelled effective December 26, 2014. A refund of $was sent to the address on file and cashed on January 29,
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at
Sincerely,
Erica D***
*** ***
I did not speak with anyone in Columbus Ohio, I talked to the local agent *** ***, I called to verify what my coverage's where and she assured me that the loan would be coveredThere was never any mention or discussion about 25%I ask several times and she assured me that the loan would be paid in fullOnly after she said she messed up and she was wrong the loan would not be coveredI asked when the policy was taken and again after the accident and ever time I was told loan would be paid in FULL>
Regards, *** ***
I am in receipt of your email letter to Nationwide dated January 20,
I am providing you with the following information:
• Revised Declarations
• Identification Card
I reviewed the call that transpired on November 28, The member called to remove the Comprehensive and
Collision Coverages from her Chevy Impala and added a Nissan Altima to the policy effective November 28, Unfortunately, the changes did not process and the policy was not updated accordingly
On January 27, 2016, the Comprehensive and Collision Coverages were removed from the Chevy Impala and the Nissan Altima was added to policy *** *** effective November 28, The change increased the term premium by $An email has been sent to the member, at *** indicating that policy documents are available online for viewingThe policy documents include a Revised Declarations and Identification CardsThe next payment, of $209.54, is due on February 14,
Nationwide is required by the Department of Insurance to charge premium for coverage provided; therefore, we are unable to write off the premium increase caused by the addition of the Nissan AltimaIf there had been an accident prior to the addition of the vehicle in question, Nationwide would have located the call, added the vehicle effective November 28, 2015, and handled the claim accordingly
If you have any additional questions, please contact Susan H***,
Sincerely,
Christina L*** *** ###########
Once again, the personnel of Nationwide are exhibiting the very unprofessionalism and incompetence that we have stated from the very begining We advised them numerous times of our new official address that being: *** *** Drive, apt***, McLean, VA 22102.Do you think for a single second, that we are in the least surprised that they would intentionally send our cheque for monies owed to a non-existant address?Nationwide has been a disgrace from the very beginning Our address is and always has been *** *** Driveapt*** in McLean Virginia We believe Nationwide has deliberately sent our monies owed to a non existant address because perhaps they do not have the funds in which to refund us our monies We DEMAND AN OFFICIAL LETTER OF APOLOGY FROM NATIONAWIDE for their INCOMPETENCE AND THEIR DELIBERATE ACTIONS IN DELAYING PAYING US OUR MONIES OWED.ALSO, NATIONWIDE SHOULD BE EMBARASSED FOR WRITING US AN ABRUPT LETTER ADVISING US THAT THEIR HANDLING OF OUR CLAIM FROM JUNE 8, CANNOT BE RESOLVED BY THEM, AGAINST OUR FORMER LANDLORD, AND THAT NOW, THEY ARE FILING WITH A COLLECTION AGENCY APPARENTLY, NATIONWIDE DOES NOT KNOW HOW TO HANDLE AND RESOLVE LEGAL CLAIMS FILED WITH THEM INSTEAD THEY PASS THE BUCK TO A COLLECTION AGENCY AFTER MONTHS OF NO RESOLUTION AGAINST OUR FORMER LANDLORD.WE DEMAND NOT ONLY AN OFFICIAL APOLOGY FROM THEIR HEAD OFFICE WITH RESPECT TO THIS OBVIOUS DELAY IN RETURNING OUR MONIES OWED AND WE DEMAND INTEREST ON SAID MONIES OWED DUE TO THEIR DELIBERATE ACTIONS IN SENDING OUR MONIES OWED TO A NON ADDRESS WE ADVISED THEM IN WRITING AT LEAST SIX TIMES OF OUR NEW ADDRESS BEING *** *** ***, apt***, in McLean, VA and after receiving written confirmation of this new address they STILL SENT OUR MONIES OWED SOMEWHERE ELSE HOW DOES THIS NATIONWIDE STAY IN BUSINESS AFTER OVER TEN YEARS OF PAYING THIS UNPROFESSIONAL COMPANY OUR MONTHLY PREMIUMS, THIS IS HOW THEY TREAT US
I am in receipt of your email to *** *** dated November 2, 2015.I am providing you with the following information:? Renewal Declarations? Billing StatementsPolicy 7842D renewed on October 7, 2015, with a term premium of $On September 4, 2015, a Renewal Declarations was mailed
to the address on file advising the member of the new month premium.The increase in the month premium, from $to $606.90, was due to several changes:? A statewide rate revision for Colonial County Mutual Insurance, a Nationwide Company.? A reduction in the New Vehicle Discount as this is a diminishing discountThis discount applies to automobiles with model years within the past five yearsThe current model year increases every year on October 1st, regardless of the actual introductory dates of the makes and models.? The removal of the Easy Pay SiDiscount as this discount is only applicable for one term.On September 14, 2015, a draft statement was emailed to the email address on file, at ***, advising $would be deducted from the member's bank account on or around October 7, 2015, which was the first payment of the renewalThe bill also notified the member that his automatic Electronic Funds Transfer amount would increase at the next monthly withdrawal and explained what to do if he objected to the increaseThe first payment of the renewal did not reflect the renewal increase due to *** House Bill In order for Nationwide to be in compliance with *** House Bill 3221, we are required to notify account holders days in advance of any renewal premium increase greater than $At renewal; the first withdrawal amount of $was based on the prior term premiumThe bills for the remainder of the term will be adjusted to approximately $130.85.On October 23, 2015, a draft statement was emailed to the email address on file, at ***, advising $will be deducted from the member's bank account on or around November 7, 2015.If you have any additional questions, please contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Christina L*** ***
This letter is in reply to the rejection of our original response by the complainantThe complainant rejected our response due to the lack of documentation regarding the short rate clause and the lack of disclosure of the rate.Nationwide has complied with all regulatory statues regarding the disclosure of the short rate procedure for automobile policiesThe policy jacket, issued at the time of the inception of the policy specifically indicates as follows:“If the named insured or a premium finance company cancels this policy, the premium owed or premium refund due will be calculated according to the short rate provisions contained in our manualsIf we cancel this policy, any premium owed or premium refund will be calculated on a pro-rata basis.”All short rate provisions are filed with the state department of insurance as required by lawThe balance due of $reflects premium owed up until the cancellation date plus one $Returned Item fee and one $installment feeThe premium was correctly calculated and cannot be waived.Please feel free to contact me if additional information is needed.Sincerely,Colleen F* *** ***
This letter is in response to the concerns filed by Ms*** regarding the change in premium forthe Auto policyRoadside Assistance was added to the policy effective August 20, causing a$increase for the remainder of the termThis caused the bills to increase to $
Thisrepresents the $premium plus a $monthly installment fee.The policy application shows the premium $1,097.70; when the policy was fully processed thepremium was $1,which is a difference of $The Easy Pay discount had been applied atthe time the policy was written giving a credit of $Since the account did not qualify for the EasyPay discount, the system removed it during the discovery periodA manual credit has been applied tothe policy of $to off set the difference in the quoted premium and the discount given incorrectly.The Member called to advise Roadside Assistance should not have been addedRoadsideAssistance and the Easy Pay discount were removed causing an increase of $During review ofthe policy for the complaint two discounts were found to be applicableMs*** lives in thehome with another Nationwide Member making the policy eligible for Multicar discount and Ms.*** holds a Tenant policy with Nationwide and the other Member, so this qualifies for theHome and Car discountBoth have been applied to the policy giving a credit of $being spreadout over the five remaining bills giving a credit of $on each billThe current bill is $andthe future bills will be $The difference in the two bills is due to the $increase not beingapplied until the October bill.The phone call with the manager has been reviewedHe was unable to explain the rate change andreferred it on to EscalationsFeedback has been provided to all concerned regarding the change andthe handling of this call.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, ###-###-#### or ***Sincerely,Meg M***
sorry, yes it was received earlier this week, don't know the date. amount was $731.thanks for helping to get them moving
I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $bonusShe has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per household.I do
apologize for our errorThe bonus has been posted to the checking accountWe appreciate the opportunityto research and correct our error.Sincerely,Anne C*** *** *** ***Nationwide Bank
[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:
Regards,
*** ***I was in pursuit of suing the dealer I purchased the vehicle from I can obtain police report to back that fact up due to an altercation that took place in which the dealer send treats with a weapon when I approach him and my partner in regards to him upholding his agreement, additional forms indicating the frequent mechanical and work that were perform as well as a similar incident that happen to a person that was driving my vehicle and it malfunction and hit a nursing home rail I can obtain picture and any documents to back that fact up and a notarized letter from the personnel that was driving my vehicleI had moved from that address that the statement was address toTo * *** *** I was not aware of this letter if so I would have abruptly took action in this matter I receive no notification regarding to the person that was suing Nationwide for property damage never a call, email, nor letter to at least to let me the customer be aware of what and why my abstract is saying at fault when prior it was no fault, Nationwide is not on any ones side except their own sadly then once I refuse to pay to the new rates once I called several time and finally got in touch with Erick N*** in not Judd L*** who dealt with every thing nor Sharon J*** nor Roger whom took an extended time period to come to the facility to view my car after the incident even the owner at the shop was inquiring about the service that I was dealt with in then Roger look at it like five to ten minutes and that was it I was told by the owner of the shopi know they did not complete any mechanical check..matter of fact I spoke with Emily R*** whom told me if I want to follow up with any mechanical proceeding with the *** *** that I have to contact the dealer I was suing to process those services and said there is no additional actions Nation wide will be takingobviously the dealer will not discredit himself and dealership any further than it is already called *** *** ** *** NYSo I feel like i'm at a stand stilli can no longer pursue with the suing of the dealer due to the negligence in Nationwide ability in checking the vehicle properly
This letter is in response to the additional information sent in by Mr*** to adjust the cancellation date on the Auto policyThe Auto policy originally cancelled per Mr***’s request effective February 10, and there was a remaining balance of $for unpaid coverage provided up to the cancellation date Mr*** provided proof of insurance with *** effective February 4, The cancellation date on the Auto policy has been adjusted to February 4, This has adjusted the balance due for coverage provided up to the cancellation date to $ If you require further assistance, please contact *** *** at ###-###-#### or by email at *** Sincerely, *** *** SrAnalyst
Per our discussion this morning, I am attaching a copy of the condition report from Toyota Financial, for the Toyota PriusThis report was completed by them on 7/21/Per the report, the only repairs needed are for the front right tire, front left tire and the left fender from wear and tear There are no charges owed by the insured, Mrs*** *** for this or the bumperPlease let me know if you have any questions or require any additional information
July 8, *
*** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*
*
*** *** **
***
*** *** *** ***
*** *** *** ***
*** ** ***
*** *** *** *** *** *** ** ***
*** ** ***
*** *** ** ***
* Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her concerns with the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe have reviewed the concerns expressed by *** *** and will attempt to address them in this letter An explanation of *** *** billing account for the above referenced policy is listed below. A copy of the complete premium and payment history for the last term is enclosed for your reference Due to the late payment of the bill due on June 19, 2015, the premium due for July billed together with the August installment. The August installment reflected the balance due on the policy for the policy term March 19, 2015, until September 19, 2015. The renewal premium effective September 19, 2015, increased due to a rate adjustment and a chargeable accident dated January 4, 2015. The semi-annual premium increased from $to $1, Due to the late payment of the bill due on August 19, 2015, the premium due for September billed together with the October installment. The policy cancelled effective November 9, 2015, for non-payment of the renewal premium and a refund of $issued. The reinstatement payment dated November 27, 2015, was dishonored for insufficient funds. This caused the account to bill the premium with one less month in the billing cycle. Due to the late payment of the bill due on January 27, 2016, the premium for February billed together with the March installment. The policy cancelled effective April 17, 2016, for non-payment of premium Below is information pertaining to the claim filed on January 4, and the chargeability of that loss and the increase in premium A claim was filed with our Company with a loss date of January 4, 2015. Per the claims investigation it was determined that *** ***, was the operator of the *** ***There is no information in the file from the vehicle inspection to indicate that there were any mechanical issues that caused the vehicle to leave the roadway during icy conditions. Our filed and approved rating plan with the State of New York indicates that an accident is chargeable if the insured driver was involved in an accident that resulted in damage to any property in excess of $2,000. Due to the total amount of $2,being paid in Property Damage coverage, the January 4, loss would be chargeable according to our approved filed rating plan. On November 27, *** *** auto policy was reinstated with our Company and a revised policy declarations was mailed to her on December 2, 2015. The chargeability of the January 4, loss was being applied accordingly. A copy of the policy declarations are attached for your reference We appreciate the opportunity to review *** *** business, and hope that this information will help to address her concerns If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or by email at *** Sincerely, Suzana K*** Manager, Support Services Operations Nationwide ###-###-####
*** *** ***
*** *** Tell us why here
the short rate clause isn't found in my own records and the supposed clause that is reference in the company's response doesn't disclose that rate to consumers
Regards, *** ***
I am in receipt of your inquiry submitted, November 2, 2016.Ms*** called Nationwide to purchase and Auto policy July 17, The policy *** ***was issued with a six-month premium of $The policy was issued with a for Paperless PolicyDeliveryThe Paperless policy delivery was agreed
to by Ms*** during the quote and bindprocess along with a reminder to complete online registration to access electronic documentsMs.*** was advised to pay close attention to any documents that may arrive by e-mail as it could affectthe rate or eligibility.The Paperless Policy Delivery was removed August 19, This caused a $increase due toMs*** not completing the online registrationOur records indicate Ms*** contacted NationwidePersonal Lines Services on October 27, The Paperless Policy Delivery was agreed to beadded back to the policy as a back dated change Ms*** made a request to remove rental carcoverage from the policyThis combination of changes decreased Ms***’s premium by a total of$30.40.An error occurred when the Personal Lines Processing department attempted to adjust the Octoberbill to even out the monthly installmentsThe October bill was cleared to re-bill with the adjustedamount; however, the due date was changed to November instead of back to October which causedthe premium to be divided over one less month for the term .Ms*** contacted Nationwide Personal Lines Services November 3, Ms*** has agreed topay the back payment for OctoberOnce the payment for October is made, the November bill willreflect the correct agreed upon monthly premium.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, at###-###-#### or by email at ***Sincerely,Daniel M***
To Whom it May Concern:Please accept this letter as a formal response to the questions regarding the Work Training Center, Inc403(b) Plan (Plan), administered by *** Administrative ServicesInc (TPA) and serviced by Nationwide Financial (Nationwide)I appreciate the opportunity to
address any concerns.Ms*** requested an additional loan from her 403(b) account on December 4, On the same day, the loan was approved by the TPAThere were unfortunately system limitations that were preventing a good order processing for the loanAs of December 9, 2015, the vesting information on Ms***'s account has been updatedAs of December 10, 2015, all system issues have been resolved and Ms***'s loan has been requested and approvedThe funds for the loan have issued out via direct deposit today, December 11, 2015.I have spoken with Ms*** and outlined both the sequence of events that led to the issue as well as the current state of the situationI sincerely apologize for any inconvenience this situation has causedShould you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.m Eastern time.Sincerely
This letter is in response to the rejected offer made by Nationwide Insurance regarding the complaint dated May 12, 2016.With the insured’s policy a total credit in the amount of $1,was placed on the policy for prior taxes that were collected on the insurance policyHowever, as the policy
did have a balance for the current insurance term, this credit paid for the remaining balance due on the current term and a refund was issued for the remaining $of credit.As the insured has since cancelled the insurance policy effective June 1, a second refund was issued in the amount of $for unearned premium and was mailed on June 7, A billing breakdown has been included detailing how the credit was applied to the account.If you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at *** .Sincerely,Stephen Y***
Thank you for your recent inquiry regarding correspondence you received from *** ***. We are aware of Mr***’s concerns and feel we have been diligent, respectful and professional in considering and addressing all. The cloths and shoes in question were cleaned with
Mr***’s consent by qualified, professional vendors with expertise in water and fire restoration. Upon completion, the ***s questioned whether the items had been properly restored. We met the ***s at the vendor location and inspected the items in question with them. There was not a consensus agreement between the parties regarding the articles in question. In an effort to resolve the matter, we had the ***s select a sampling of items they felt were not properly restored and had them sent to the International Textile Analysis Laboratory for testing. They performed “chemical, Spectra-Light multi-spectrum tests (including ultra-violet light), high-powered microscopic examinations, colorfastness, stability, as well as other extensive and complete testing of all components”. All results and testing did not show “any water damage, mold or mildew, odor, chemicals, residues or foreign soils”. Furthermore, these tests revealed that the items tested did not exhibit any of the problems or concerns expressed by the ***s, which were specifically that the items had “a change in appearance and were ruined”. The analysis found there was “no evidence of any local or dimensional changes.” The testing also found there was “no evidence of fabric weakening, fabric damage or texture change fading or discolorations associated with heat, water, smoke or professional cleaning”. They also opined that all the items tested had been “properly handled in restoration and is presently in the condition that it was in prior to any smoke exposure”. Their final conclusion for the items tested state they did not find any stains or residue or odor in the items tested from causes such as fire, fire suppression, water, smoke, special chemical odor- removal treatments or any other cleaning compounds”. They also found that the tests did not indicate the articles had been “shrunk, distorted, damaged, discolored or has any color or texture changes from exposure to smoke or any recent professional fire restoration care procedures”. These results were shared with the ***s. The ***'s are not in agreement with the results, but have not provided any physical evidence, or qualified analysis, to support their position. Mr*** has subsequently provided opinions by various other vendors and we have reviewed each and respectfully followed up on all. In short, the ***s appear to simply desire to have items replaced despite the lack of evidence or qualified opinions to justify and support doing so. Mr*** also alleges Nationwide Mutual Fire Insurance Company has not “allowed for the replacement of our property without us supplementing the funds with barrowed money”. We disagree and deny we have not properly applied the ***'s coverage in this case. Nationwide Mutual Fire Insurance Company has properly and promptly paid the ***s per the provisions of their policy of insurance and will continue to do so We strive to meet our customer’s needs and expectations while enforcing the terms and conditions of their contract. We also understand that despite our sincere efforts to assist, sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me. Thank you for bringing this matter to our attention. Sincerely, Shea S***
[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 informed by *** ***, Nationwide Insurance's adjustor, that if there were any additional charges to repair my car above what the estimate listed the repair shop would send an itemized report, to him, and the additional sum would be paid by Nationwide. *** *** stated " sometimes they find more that needs to be fixed once they get in thereIf they do find anything that needs to be done then they send me a report and we send them a check for the extra amount". Furthermore, the repair shop I chose didn't do any more than necessary to repair my carI didn't "commission" anything more than properly repair the damaged car. The information you have been given by Nationwide Insurance is falseThey agreed to pay for the damages in fullThis, they haven't done. I had my car insured to address repairs in case of an accidentI certainly didn't pay my premiums for partial payment of repairs. I suggest you contact * *** * *** *** in Hickory, North Carolina to verify that you have been given information from Nationwide Insurance.
Regards,
*** ***
Our records indicate the Auto policy mentioned above has been listed at the address of *** *** *** *** *** ** *** from inception of the policy. The billing account also has the same address listed, however, is set up on Paperless billing. This means that
bills are sent to the email address on file
Our records indicate a bill was generated for $due December 1, 2014. After no payment was received a Notice of Cancellation (NOC) was sent for $due December 25, or the policy would cancel effective December 26,
There was no payment received and the policy cancelled effective December 26, 2014. A refund of $was sent to the address on file and cashed on January 29,
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at
Sincerely,
Erica D***
*** ***
I did not speak with anyone in Columbus Ohio, I talked to the local agent *** ***, I called to verify what my coverage's where and she assured me that the loan would be coveredThere was never any mention or discussion about 25%I ask several times and she assured me that the loan would be paid in fullOnly after she said she messed up and she was wrong the loan would not be coveredI asked when the policy was taken and again after the accident and ever time I was told loan would be paid in FULL>
Regards, *** ***
I am in receipt of your email letter to Nationwide dated January 20,
I am providing you with the following information:
• Revised Declarations
• Identification Card
I reviewed the call that transpired on November 28, The member called to remove the Comprehensive and
Collision Coverages from her Chevy Impala and added a Nissan Altima to the policy effective November 28, Unfortunately, the changes did not process and the policy was not updated accordingly
On January 27, 2016, the Comprehensive and Collision Coverages were removed from the Chevy Impala and the Nissan Altima was added to policy *** *** effective November 28, The change increased the term premium by $An email has been sent to the member, at *** indicating that policy documents are available online for viewingThe policy documents include a Revised Declarations and Identification CardsThe next payment, of $209.54, is due on February 14,
Nationwide is required by the Department of Insurance to charge premium for coverage provided; therefore, we are unable to write off the premium increase caused by the addition of the Nissan AltimaIf there had been an accident prior to the addition of the vehicle in question, Nationwide would have located the call, added the vehicle effective November 28, 2015, and handled the claim accordingly
If you have any additional questions, please contact Susan H***,
Sincerely,
Christina L*** *** ###########
Once again, the personnel of Nationwide are exhibiting the very unprofessionalism and incompetence that we have stated from the very begining We advised them numerous times of our new official address that being: *** *** Drive, apt***, McLean, VA 22102.Do you think for a single second, that we are in the least surprised that they would intentionally send our cheque for monies owed to a non-existant address?Nationwide has been a disgrace from the very beginning Our address is and always has been *** *** Driveapt*** in McLean Virginia We believe Nationwide has deliberately sent our monies owed to a non existant address because perhaps they do not have the funds in which to refund us our monies We DEMAND AN OFFICIAL LETTER OF APOLOGY FROM NATIONAWIDE for their INCOMPETENCE AND THEIR DELIBERATE ACTIONS IN DELAYING PAYING US OUR MONIES OWED.ALSO, NATIONWIDE SHOULD BE EMBARASSED FOR WRITING US AN ABRUPT LETTER ADVISING US THAT THEIR HANDLING OF OUR CLAIM FROM JUNE 8, CANNOT BE RESOLVED BY THEM, AGAINST OUR FORMER LANDLORD, AND THAT NOW, THEY ARE FILING WITH A COLLECTION AGENCY APPARENTLY, NATIONWIDE DOES NOT KNOW HOW TO HANDLE AND RESOLVE LEGAL CLAIMS FILED WITH THEM INSTEAD THEY PASS THE BUCK TO A COLLECTION AGENCY AFTER MONTHS OF NO RESOLUTION AGAINST OUR FORMER LANDLORD.WE DEMAND NOT ONLY AN OFFICIAL APOLOGY FROM THEIR HEAD OFFICE WITH RESPECT TO THIS OBVIOUS DELAY IN RETURNING OUR MONIES OWED AND WE DEMAND INTEREST ON SAID MONIES OWED DUE TO THEIR DELIBERATE ACTIONS IN SENDING OUR MONIES OWED TO A NON ADDRESS WE ADVISED THEM IN WRITING AT LEAST SIX TIMES OF OUR NEW ADDRESS BEING *** *** ***, apt***, in McLean, VA and after receiving written confirmation of this new address they STILL SENT OUR MONIES OWED SOMEWHERE ELSE HOW DOES THIS NATIONWIDE STAY IN BUSINESS AFTER OVER TEN YEARS OF PAYING THIS UNPROFESSIONAL COMPANY OUR MONTHLY PREMIUMS, THIS IS HOW THEY TREAT US
I am in receipt of your email to *** *** dated November 2, 2015.I am providing you with the following information:? Renewal Declarations? Billing StatementsPolicy 7842D renewed on October 7, 2015, with a term premium of $On September 4, 2015, a Renewal Declarations was mailed
to the address on file advising the member of the new month premium.The increase in the month premium, from $to $606.90, was due to several changes:? A statewide rate revision for Colonial County Mutual Insurance, a Nationwide Company.? A reduction in the New Vehicle Discount as this is a diminishing discountThis discount applies to automobiles with model years within the past five yearsThe current model year increases every year on October 1st, regardless of the actual introductory dates of the makes and models.? The removal of the Easy Pay SiDiscount as this discount is only applicable for one term.On September 14, 2015, a draft statement was emailed to the email address on file, at ***, advising $would be deducted from the member's bank account on or around October 7, 2015, which was the first payment of the renewalThe bill also notified the member that his automatic Electronic Funds Transfer amount would increase at the next monthly withdrawal and explained what to do if he objected to the increaseThe first payment of the renewal did not reflect the renewal increase due to *** House Bill In order for Nationwide to be in compliance with *** House Bill 3221, we are required to notify account holders days in advance of any renewal premium increase greater than $At renewal; the first withdrawal amount of $was based on the prior term premiumThe bills for the remainder of the term will be adjusted to approximately $130.85.On October 23, 2015, a draft statement was emailed to the email address on file, at ***, advising $will be deducted from the member's bank account on or around November 7, 2015.If you have any additional questions, please contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Christina L*** ***
Thank you Fri, 03/11/3:pm I received the refund from Nationwide insurance, today by Fed ExI do Thank you, very much for
your help*** *** ***
This letter is in reply to the rejection of our original response by the complainantThe complainant rejected our response due to the lack of documentation regarding the short rate clause and the lack of disclosure of the rate.Nationwide has complied with all regulatory statues regarding the disclosure of the short rate procedure for automobile policiesThe policy jacket, issued at the time of the inception of the policy specifically indicates as follows:“If the named insured or a premium finance company cancels this policy, the premium owed or premium refund due will be calculated according to the short rate provisions contained in our manualsIf we cancel this policy, any premium owed or premium refund will be calculated on a pro-rata basis.”All short rate provisions are filed with the state department of insurance as required by lawThe balance due of $reflects premium owed up until the cancellation date plus one $Returned Item fee and one $installment feeThe premium was correctly calculated and cannot be waived.Please feel free to contact me if additional information is needed.Sincerely,Colleen F
* *** ***