I am responding to a Revdex.com of Columbus Ohio complaint received on October 21, 2015. The customer filed the following complaint: Re: Case # ***
The date of loss for this claim was April 23, 2015. The Customer is a third party to the claim reported. Georgia
statutes require all insurance companies to conduct reviews for the possibility of diminished value for all 1st party losses and provide notice of sameThe Customer has a policy with another company therefore the statue would not apply on this policyThird party reviews are conducted upon request. The Customer requested a review for diminished value on June 12, 2015. Nationwide contacted her immediately and advised her by phone and in writing that we would need proof of ownership and all information regarding any prior claims to her vehicle in order to proceed with the claim. The Customer did not respond to our requests until September 9, when proof of ownership was received in our office. Nationwide asked for the prior loss information regarding losses from 03/29/and 03/30/and made an offer of $based on the information provided and discovered. The Customer advised that she would be hiring an attorney after the offer was provided to her. Nationwide inquired about her representation so we could discuss this matter with her attorney and The Customer ended the call.
At no time did Nationwide ask for any tax documents or anything other than proof of ownership and prior claims information.
Nationwide will continue to attempt to reach an agreement for the diminished value and continue to work towards resolution.
A new adjuster has been assigned to this customer and the claim has been resolved
Sincerely Yours,
Angie T***
*** *** * ***
###-###-####
This letter is in response to the concerns filed by *** *** regarding her policies with Nationwide First and foremost, we would like to extend our apologies to Ms*** for the handling of her policy We take full accountability for the errors that occurred on the policyAs stated previously in the first response to the Revdex.com on April 17, the Underinsured Motorist Bodily Injury and Underinsured Motorist Property Damage coverages were erroneously added by the Processing departmentIt was initially thought, that forms for the Underinsured Motorist Bodily Injury and Underinsured Motorist Property Damage were not received so the coverages were added back to the inception on September 3, This error caused the billing account to bill higher since premium for the coverages was added to the policy Nationwide did correct this error in February and Ms***’s policy did receive a full credit for the unnecessary premium she paidWe apologize for how long it took to catch this Processing error however, Ms***’s policy has since been correctedThis credit eliminated Ms***’s March installment for her Auto policy and gave credit toward her Auto policy installment for April It was indicated in the rebuttal that both policy down payments were made on the same day, which is correctThe policies were set up the same day however, each policy has a different effective dateThe Auto policy effective date is September 3, and the Property policy is effective August 29, I have included both applications for Auto policy *** and Property policy 6139HQBoth applications indicate the effective date The policy is currently charging exactly what it shouldThe only extra charge that was applied to the policy has been fully removedThe only remaining issue is strictly with the billing due date which is causing the policy to be billed in five months instead of the full six months termThe policy renewal term calculated at $Ms*** is not being billed any more money than the $ In communications to Ms*** and in the first resolution sent, a solution was given for the due date issueIt is not required of Servicing to go over the billing due date unless requested by the MemberHowever, Servicing should have addressed the issue when the higher billing was called out by Ms***I apologize for the lack of information that was provided by ServicingIn order to stay within the ten day window to keep all six factor months, Ms*** would have to choose a due date of between the 29th to the eighth of every monthThe current account due date is the 20th of every monthAs it stands now the monthly installments for *** are billing at $with two months in the billing cycle leftThe Property policy *** is currently billing monthly installments at $This amount is due May 20th however, to add back a factor month, Ms*** would need to choose a due date between the 29th and eighth (It would be April 29th to May 8th)The month billing would reduce to $for *** and the Property policy would remain at $Please have the Member contact Jackie ###-###-#### or Servicing at ###-###-#### to adjust the due date We are sorry that Ms*** has not received the level of service that was expected from Nationwide Insurance We apologize for any inconvenience this may have caused Ms*** If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at h***[email protected] Sincerely, Jackie S*** SrAnalyst ***@nationwide.com ###-###-#### Enclosures: Auto Application, Property Application
Thank you for the opportunity to respond to MrS***’s additional inquiry.We have addressed MrS***’s repair concerns; these matters have been resolved to MrS***’s satisfaction.We had a third party, independent appraiser inspect MrS***’s vehicle for his diminished value claimThe appraiser assessed MrS***’s diminished value loss to be $1,A copy of this report was emailed to MrS*** on November 13, MrS*** informed the claims associate that he would be willing to settle for $1,Nationwide as extended a final offer, $1,300.00; MrS*** has rejected thisWe will not be extending any additional diminished value offers.We trust this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to call me.Sincerely,Paul G*** *** *** *** ***
No response from *** *** *** in *** **. No responsibility accepted here on this response. Why can't the paperwork be "in an easily readable format", per #on Scottsdale Insurance Company's "Residential Property Policyholder Bill of Rights". Regards***
This is in response to your additional inquiry dated February 2, 2017, regarding *** ***.Ms*** spoke with her local agent, *** ***I spoke again to Agent *** regardingthe policyholder’s request for GAP coverageAgent *** ***, at no time, informedthe policyholder her loan would be paid in fullAn agent would have no way of knowing what amember’s loan value would be when adding GAP coverageTherefore, we would not make astatement saying the loan would be paid off.Ms*** also received a copy of the Declaration page for the GAP coverageThis outlinesthe coverage and does state “We will not pay more than 25% of the actual cash value of yourauto as determined by us at the time of the total loss”.If you require further assistance, please contact our Customer Relations Coordinator, DawnHolt, at ###-###-#### or by email at ***Sincerely,James ***
Good Morning,Thank you for the quick reply and for contacting the business on my behalfWhile I understand what was stated in the response, I believe it was genericAll that was mentioned was a change in However, I have been a customer since I expect more thorough research as to why a policy from to is still about $a month for a driver that does not have anything on her driving recordI would like a detailed response related directly to my account, not this basic one that I'm sure is used on a regular In addition, I will attempt to go through the "solution" provided, but my inquiry was not directly answeredI do not need any procedural or policy information; I want direct responsesOne move did not cause this expensive premium
Dear MsMcLaughlin:
This letter is in response to the concerns filed by *** *** regarding the returned item fee on his Nationwide Auto policy
On January 18, 2016, Nationwide member, *** ***, was advised that we would accept a running bank statement as evidence of the
funds being available on the payment dateWe received that running bank statement on January 19, 2016, and have waived the feeThe matter has been corrected per Mr***’s request
because I have a family of five and I am the only one working and with the pay that I receive I can not afford an additional insurance cost for my son who is not and can not drive I was told by DMV that my son can not drive with a restricted licenseThe only car he can drive is a rental car but you have to be and my son is only My son is in college and he rides the bus everyday I am just asking that someone make sense of this matter
Regards,
*** ***
Mr*** applied for a Home Equity Line of Credit (HELOC) with Nationwide BankThe information he cites from www.bankrate.com is correctThe 4.4% rate shown, however, is dependent upon a maximum Loan to Value (LTV) ratio of 80%When Mr*** applied for the Line of Credit, he agreed to
Terms and Conditions, including, but not limited to, “All loans are subject to approval and rates vary based on your credit history and loan to value ratio.” Nationwide requested a driappraisal of the home, which was completed on April 13, That appraisal provided a property value of $309,With that, the amount of the first mortgage, combined with the requested HELOC loan, determined a LTV in excess of the minimum of 80%The appraisal was provided to Nationwide Bank and to Mr***Mr*** disputed the validity of appraisalUpon receipt of the dispute, the appraisal was reviewed, considering the information included in the disputeA new appraisal was completed on April 19, The appraised amount remained the same, and included an addendum responding to the concerns Mr*** raised in his disputeThe new appraisal was provided to Nationwide Bank and to Mr*** againThe HELOC application has not been closedMr*** is welcome to continue with his existing request, but at a higher interest rate and a lower maximum loan amount, determined by the LTVSincerely, Ann C*** SrAnalyst, Customer Advocacy Nationwide Bank
Thank you for your recent inquiry regarding a complaint you received from *** ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let me know.Our records indicate, on February 14, 2015, Mr***
called the *** *** Agency to add a Subaru to his policyAfter being quoted several deductible amounts and the corresponding premium increases, Mr*** advised he could not afford the additional premium to add comprehensive and collision coverage to his policyHe then told his agent he wanted liability only for the SubaruThe vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr*** called the *** Agency and spoke with office manager *** about the coverage he had on the SubaruDuring this conversation Mr*** was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchaseAlso discussed was the coverage on his DodgeMr*** was offered a $deductible on this vehicle to which he declined advising he had to speak with his wife before making the decision.During our investigation into this matter, no error was foundLack of the offer of coverages to an insured does not constitute an errorMr*** did not request additional quotes for other deductibles for collision and we found the *** Agency followed their procedure of discussing the available options with Mr***After being told by Mr*** he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requested.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call Betsy S***, *** ** *** *** *** *** *** *** at ###-###-#### or email her at***Sincerely,Derrick H*** *** *** *** *** ***###-###-####
This letter is in response to Ms***’ recent rejection to our latest response and her request to expunge the collection from the credit report tied to her cancelled Nationwide personal auto policy.As previously indicated, a Final Bill was issued on July 5, 2016, which gave the opportunity for Ms*** to pay it prior to going to a collection companyThe collection itself was not handed over to *** Collection Services (CCS) until August 23, Once that occurred, the insured had days to pay before it would show on the credit report itselfPayment was not received until January 6, 2017, almost a full six months after the cancellation of the policy, and five months after the final bill was issuedThis all being said, we cannot clear the credit history as if the collection never existed because it was both valid and delinquentHowever, we can confirm that since the payment was made, it is being removed from the Credit ReportIt can take 30-days from the date of payment for the Credit Report to show as updated, but CCS has confirmed the item is being cleared as a settled debt.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, at ###-###-#### or by email at [email protected],Jeremy T BagotJeremy TBagotSrAnalyst, Customer Response and Resolution###-###-####[email protected]
For the auto policy, the original policy price is the amount I agreed to pay for and it is the main reason why I chose Nationwide instead of other companiesIf any form they need me to sign, they should inform me before I sign the contractIt is not the right the way to do business like this to do something afterwards to intend charging more money for no matter what kind of reasonThey mentioned that they contacted me several times in June and July, however, I am trapped in the moving and settle down stuff during that periodAlso I have to focus on my new job and fit in my new position ASAP at that timeI didn't received the mail they mentioned and I can't remember whether I have received phone call from them, if so, I should response right after thatIn addition, they should mention they will increase my policy price if I didn't sign the form in any letter or email before they make the decision However I didn't see any words in any email or letter they sent to me mentioning the price changeTherefore it is clearly their fault to do business in this way and I refuse to pay anything beyond the original auto policy price
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. *** Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck
Understand we are in a Rental car for $35/day since this has been drug out for over days!
Regards,
*** * *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me ]I am willing to pay the $for January 1, through January 18, Let me know where to call to render the payment I usually made payments with a representative who provided a confirmation number and sent an email to ***@gmail.com I would like to expedite this promptly to avoid more stress
This is an update on the above case regarding ***.The MD Claims Manager comments: On 12/12/an inspection by *** took place at ** ***'s address to determine Diminution of valueWe received the report on Monday 12/14/15; I contacted ** *** and reviewed the report and the amount of Diminution of value loss of $I emailed the report to her that eveningShe replied on 12/15/via email, she was in acceptance of the offer for Diminution of value in the amount of $We issued a check settlement on 12/16/and sent it to her address on fileThe complaint has been resolved and closed based on settlement.If you have any further questions, please feel free to contact me.Sincerely,Ed ***, IIClaims Manager540-582-***
This letter is in response to the concerns filed by Ms*** regarding the $collection amount Auto policy *** started December 29, 2015, with a premium of $This premium was spread out over the down payment and five remaining bills; making the
monthly installments $The policy renewed July 1, 2016, with a premium of $This premium was spread out over seven bills making the monthly payments $The policy renewed January 1, 2017, with a premium of $The first bill for the term was due January 29, Since coverage was provided from January 1, until January 26, 2017, there is premium owed of $ If you require further assistance, please contact our Customer Advocacy Coordinator, Barb D***, ###-###-#### or ***@nationwide.com Sincerely, Meg Mo*** SrAnalyst Customer Resolution & Response Enclosures:
Please accept this as a formal notification that Nationwide made contact with me to settle the disputeI am very satisfied with the outcome, as it was acknowledge, there was an error in their part and they honored to reinstate the policy to avoid a lapse of coverage. *** ***
This letter acknowledges receipt of your correspondence dated January 5, 2016, and we provide the following:We investigated the concerns raised by our insuredWe found their coverage issue valid; the company issued a correcting endorsement with our payment to resolve their concern.While our records
do not reflect the sentiment of our insured as it relates to unanswered telephone calls, we are sorry our customer service did not meet expectationsWe continually remind/train our staff of the importance in returning telephone calls in a timely and courteous manner.Should you require any further assistance in this matter, please contact *** *** ***, Patty G***, at ###-###-#### or via email at ***Thank you,Jennifer V***
I reviewed the response made by the business in reference to complaint ID *** I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about itIt seems the only way one can afford to have homeowner's insurance is if it is never actually usedA significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in generalThe premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymore.I suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance That way, the consumer can at least have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for I prefer to make informed decisions, but this is impossible when dealing with NationwideThe agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the futureI was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone. If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhereI fear I would only be trading one set of headaches for another however
Regards, *** ***
I am responding to a Revdex.com of Columbus Ohio complaint received on October 21, 2015. The customer filed the following complaint: Re: Case # ***
The date of loss for this claim was April 23, 2015. The Customer is a third party to the claim reported. Georgia
statutes require all insurance companies to conduct reviews for the possibility of diminished value for all 1st party losses and provide notice of sameThe Customer has a policy with another company therefore the statue would not apply on this policyThird party reviews are conducted upon request. The Customer requested a review for diminished value on June 12, 2015. Nationwide contacted her immediately and advised her by phone and in writing that we would need proof of ownership and all information regarding any prior claims to her vehicle in order to proceed with the claim. The Customer did not respond to our requests until September 9, when proof of ownership was received in our office. Nationwide asked for the prior loss information regarding losses from 03/29/and 03/30/and made an offer of $based on the information provided and discovered. The Customer advised that she would be hiring an attorney after the offer was provided to her. Nationwide inquired about her representation so we could discuss this matter with her attorney and The Customer ended the call.
At no time did Nationwide ask for any tax documents or anything other than proof of ownership and prior claims information.
Nationwide will continue to attempt to reach an agreement for the diminished value and continue to work towards resolution.
A new adjuster has been assigned to this customer and the claim has been resolved
Sincerely Yours,
Angie T***
*** *** * ***
###-###-####
This letter is in response to the concerns filed by *** *** regarding her policies with Nationwide First and foremost, we would like to extend our apologies to Ms*** for the handling of her policy We take full accountability for the errors that occurred on the policyAs stated previously in the first response to the Revdex.com on April 17, the Underinsured Motorist Bodily Injury and Underinsured Motorist Property Damage coverages were erroneously added by the Processing departmentIt was initially thought, that forms for the Underinsured Motorist Bodily Injury and Underinsured Motorist Property Damage were not received so the coverages were added back to the inception on September 3, This error caused the billing account to bill higher since premium for the coverages was added to the policy Nationwide did correct this error in February and Ms***’s policy did receive a full credit for the unnecessary premium she paidWe apologize for how long it took to catch this Processing error however, Ms***’s policy has since been correctedThis credit eliminated Ms***’s March installment for her Auto policy and gave credit toward her Auto policy installment for April It was indicated in the rebuttal that both policy down payments were made on the same day, which is correctThe policies were set up the same day however, each policy has a different effective dateThe Auto policy effective date is September 3, and the Property policy is effective August 29, I have included both applications for Auto policy *** and Property policy 6139HQBoth applications indicate the effective date The policy is currently charging exactly what it shouldThe only extra charge that was applied to the policy has been fully removedThe only remaining issue is strictly with the billing due date which is causing the policy to be billed in five months instead of the full six months termThe policy renewal term calculated at $Ms*** is not being billed any more money than the $ In communications to Ms*** and in the first resolution sent, a solution was given for the due date issueIt is not required of Servicing to go over the billing due date unless requested by the MemberHowever, Servicing should have addressed the issue when the higher billing was called out by Ms***I apologize for the lack of information that was provided by ServicingIn order to stay within the ten day window to keep all six factor months, Ms*** would have to choose a due date of between the 29th to the eighth of every monthThe current account due date is the 20th of every monthAs it stands now the monthly installments for *** are billing at $with two months in the billing cycle leftThe Property policy *** is currently billing monthly installments at $This amount is due May 20th however, to add back a factor month, Ms*** would need to choose a due date between the 29th and eighth (It would be April 29th to May 8th)The month billing would reduce to $for *** and the Property policy would remain at $Please have the Member contact Jackie ###-###-#### or Servicing at ###-###-#### to adjust the due date We are sorry that Ms*** has not received the level of service that was expected from Nationwide Insurance We apologize for any inconvenience this may have caused Ms*** If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at h***[email protected] Sincerely, Jackie S*** SrAnalyst ***@nationwide.com ###-###-#### Enclosures: Auto Application, Property Application
Thank you for the opportunity to respond to MrS***’s additional inquiry.We have addressed MrS***’s repair concerns; these matters have been resolved to MrS***’s satisfaction.We had a third party, independent appraiser inspect MrS***’s vehicle for his diminished value claimThe appraiser assessed MrS***’s diminished value loss to be $1,A copy of this report was emailed to MrS*** on November 13, MrS*** informed the claims associate that he would be willing to settle for $1,Nationwide as extended a final offer, $1,300.00; MrS*** has rejected thisWe will not be extending any additional diminished value offers.We trust this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to call me.Sincerely,Paul G*** *** *** *** ***
No its not resolved I didnt know you needed any more info from me
No response from *** *** *** in *** **. No responsibility accepted here on this response. Why can't the paperwork be "in an easily readable format", per #on Scottsdale Insurance Company's "Residential Property Policyholder Bill of Rights". Regards***
This is in response to your additional inquiry dated February 2, 2017, regarding *** ***.Ms*** spoke with her local agent, *** ***I spoke again to Agent *** regardingthe policyholder’s request for GAP coverageAgent *** ***, at no time, informedthe policyholder her loan would be paid in fullAn agent would have no way of knowing what amember’s loan value would be when adding GAP coverageTherefore, we would not make astatement saying the loan would be paid off.Ms*** also received a copy of the Declaration page for the GAP coverageThis outlinesthe coverage and does state “We will not pay more than 25% of the actual cash value of yourauto as determined by us at the time of the total loss”.If you require further assistance, please contact our Customer Relations Coordinator, DawnHolt, at ###-###-#### or by email at ***Sincerely,James ***
Good Morning,Thank you for the quick reply and for contacting the business on my behalfWhile I understand what was stated in the response, I believe it was genericAll that was mentioned was a change in However, I have been a customer since I expect more thorough research as to why a policy from to is still about $a month for a driver that does not have anything on her driving recordI would like a detailed response related directly to my account, not this basic one that I'm sure is used on a regular In addition, I will attempt to go through the "solution" provided, but my inquiry was not directly answeredI do not need any procedural or policy information; I want direct responsesOne move did not cause this expensive premium
Dear MsMcLaughlin:
This letter is in response to the concerns filed by *** *** regarding the returned item fee on his Nationwide Auto policy
On January 18, 2016, Nationwide member, *** ***, was advised that we would accept a running bank statement as evidence of the
funds being available on the payment dateWe received that running bank statement on January 19, 2016, and have waived the feeThe matter has been corrected per Mr***’s request
because I have a family of five and I am the only one working and with the pay that I receive I can not afford an additional insurance cost for my son who is not and can not drive I was told by DMV that my son can not drive with a restricted licenseThe only car he can drive is a rental car but you have to be and my son is only My son is in college and he rides the bus everyday I am just asking that someone make sense of this matter
Regards,
*** ***
Mr*** applied for a Home Equity Line of Credit (HELOC) with Nationwide BankThe information he cites from www.bankrate.com is correctThe 4.4% rate shown, however, is dependent upon a maximum Loan to Value (LTV) ratio of 80%When Mr*** applied for the Line of Credit, he agreed to
Terms and Conditions, including, but not limited to, “All loans are subject to approval and rates vary based on your credit history and loan to value ratio.” Nationwide requested a driappraisal of the home, which was completed on April 13, That appraisal provided a property value of $309,With that, the amount of the first mortgage, combined with the requested HELOC loan, determined a LTV in excess of the minimum of 80%The appraisal was provided to Nationwide Bank and to Mr***Mr*** disputed the validity of appraisalUpon receipt of the dispute, the appraisal was reviewed, considering the information included in the disputeA new appraisal was completed on April 19, The appraised amount remained the same, and included an addendum responding to the concerns Mr*** raised in his disputeThe new appraisal was provided to Nationwide Bank and to Mr*** againThe HELOC application has not been closedMr*** is welcome to continue with his existing request, but at a higher interest rate and a lower maximum loan amount, determined by the LTVSincerely, Ann C*** SrAnalyst, Customer Advocacy Nationwide Bank
Thank you for your recent inquiry regarding a complaint you received from *** ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let me know.Our records indicate, on February 14, 2015, Mr***
called the *** *** Agency to add a Subaru to his policyAfter being quoted several deductible amounts and the corresponding premium increases, Mr*** advised he could not afford the additional premium to add comprehensive and collision coverage to his policyHe then told his agent he wanted liability only for the SubaruThe vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr*** called the *** Agency and spoke with office manager *** about the coverage he had on the SubaruDuring this conversation Mr*** was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchaseAlso discussed was the coverage on his DodgeMr*** was offered a $deductible on this vehicle to which he declined advising he had to speak with his wife before making the decision.During our investigation into this matter, no error was foundLack of the offer of coverages to an insured does not constitute an errorMr*** did not request additional quotes for other deductibles for collision and we found the *** Agency followed their procedure of discussing the available options with Mr***After being told by Mr*** he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requested.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call Betsy S***, *** ** *** *** *** *** *** *** at ###-###-#### or email her at***Sincerely,Derrick H*** *** *** *** *** ***###-###-####
This letter is in response to Ms***’ recent rejection to our latest response and her request to expunge the collection from the credit report tied to her cancelled Nationwide personal auto policy.As previously indicated, a Final Bill was issued on July 5, 2016, which gave the opportunity for Ms*** to pay it prior to going to a collection companyThe collection itself was not handed over to *** Collection Services (CCS) until August 23, Once that occurred, the insured had days to pay before it would show on the credit report itselfPayment was not received until January 6, 2017, almost a full six months after the cancellation of the policy, and five months after the final bill was issuedThis all being said, we cannot clear the credit history as if the collection never existed because it was both valid and delinquentHowever, we can confirm that since the payment was made, it is being removed from the Credit ReportIt can take 30-days from the date of payment for the Credit Report to show as updated, but CCS has confirmed the item is being cleared as a settled debt.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, at ###-###-#### or by email at [email protected],Jeremy T BagotJeremy TBagotSrAnalyst, Customer Response and Resolution###-###-####[email protected]
For the auto policy, the original policy price is the amount I agreed to pay for and it is the main reason why I chose Nationwide instead of other companiesIf any form they need me to sign, they should inform me before I sign the contractIt is not the right the way to do business like this to do something afterwards to intend charging more money for no matter what kind of reasonThey mentioned that they contacted me several times in June and July, however, I am trapped in the moving and settle down stuff during that periodAlso I have to focus on my new job and fit in my new position ASAP at that timeI didn't received the mail they mentioned and I can't remember whether I have received phone call from them, if so, I should response right after thatIn addition, they should mention they will increase my policy price if I didn't sign the form in any letter or email before they make the decision However I didn't see any words in any email or letter they sent to me mentioning the price changeTherefore it is clearly their fault to do business in this way and I refuse to pay anything beyond the original auto policy price
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. *** Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck
Understand we are in a Rental car for $35/day since this has been drug out for over days!
Regards,
*** * *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me ]I am willing to pay the $for January 1, through January 18, Let me know where to call to render the payment I usually made payments with a representative who provided a confirmation number and sent an email to ***@gmail.com I would like to expedite this promptly to avoid more stress
This is an update on the above case regarding ***.The MD Claims Manager comments: On 12/12/an inspection by *** took place at ** ***'s address to determine Diminution of valueWe received the report on Monday 12/14/15; I contacted ** *** and reviewed the report and the amount of Diminution of value loss of $I emailed the report to her that eveningShe replied on 12/15/via email, she was in acceptance of the offer for Diminution of value in the amount of $We issued a check settlement on 12/16/and sent it to her address on fileThe complaint has been resolved and closed based on settlement.If you have any further questions, please feel free to contact me.Sincerely,Ed ***, IIClaims Manager540-582-***
This letter is in response to the concerns filed by Ms*** regarding the $collection amount Auto policy *** started December 29, 2015, with a premium of $This premium was spread out over the down payment and five remaining bills; making the
monthly installments $The policy renewed July 1, 2016, with a premium of $This premium was spread out over seven bills making the monthly payments $The policy renewed January 1, 2017, with a premium of $The first bill for the term was due January 29, Since coverage was provided from January 1, until January 26, 2017, there is premium owed of $ If you require further assistance, please contact our Customer Advocacy Coordinator, Barb D***, ###-###-#### or ***@nationwide.com Sincerely, Meg Mo*** SrAnalyst Customer Resolution & Response Enclosures:
Please accept this as a formal notification that Nationwide made contact with me to settle the disputeI am very satisfied with the outcome, as it was acknowledge, there was an error in their part and they honored to reinstate the policy to avoid a lapse of coverage. *** ***
This letter acknowledges receipt of your correspondence dated January 5, 2016, and we provide the following:We investigated the concerns raised by our insuredWe found their coverage issue valid; the company issued a correcting endorsement with our payment to resolve their concern.While our records
do not reflect the sentiment of our insured as it relates to unanswered telephone calls, we are sorry our customer service did not meet expectationsWe continually remind/train our staff of the importance in returning telephone calls in a timely and courteous manner.Should you require any further assistance in this matter, please contact *** *** ***, Patty G***, at ###-###-#### or via email at ***Thank you,Jennifer V***
I reviewed the response made by the business in reference to complaint ID *** I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about itIt seems the only way one can afford to have homeowner's insurance is if it is never actually usedA significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in generalThe premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymore.I suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance That way, the consumer can at least have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for I prefer to make informed decisions, but this is impossible when dealing with NationwideThe agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the futureI was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone. If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhereI fear I would only be trading one set of headaches for another however
Regards, *** ***