Attached is a copy of my April 4, statement from Nationwide stating mo payment April - May is $page It cleared my bank on 4-2-so it was not late Page attached.Page is part of your letter stating they cancelled on April 28, Insurance was paid through May 4, so why do I woe according to Nationwide $There is no reason for fees
We are in receipt of the complaint on the above mentioned matterClaims Associate, Eric V***, hasbeen working with Mrand Mrs [redacted] regarding this claimMrV [redacted] has made several revisionsto the estimate for repairs to address some of the concerns mentioned in the complaint as outlinedbelow:? After discussion with the [redacted] ’s contractor and the cabinet installer, we agreed to thereplacement of the kitchen cabinets? The master bedroom carpet was to be resolved directly by [redacted] and their subcontractorAs thishas not been resolved at this time, we agreed to the replacement of this carpet.A copy of the revised estimate has been provided to the [redacted] MrV [redacted] has reviewed therevisions named above with Mrs [redacted] and she agreed and advised there is nothing additionalneeded at this timeA copy of the revised estimate is attached to this response.If you have any additional questions, please contact Customer Advocacy Coordinator AngelaS [redacted] at [redacted] or [redacted] Sincerely,Stacey H***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper managementThey did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shopI'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in NovemberI feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you Regards, [redacted] ***
I feel this is not ethical business practice and they are taking advantage of the customer with this prior Ins. clause . It seems a company would be eager to insure a customer that hadn't cost them a penny and always payed in full and on time. I've taken this to my local TV station Regards, [redacted]
Dear Ms [redacted] :Thank you for the opportunity to respond to the complaint filed by *** [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe havereviewed the concerns expressed by Ms [redacted] and will attempt to address them in the letter[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms [redacted] lost control of her [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the [redacted] she was driving at the time of theaccident failed due to a mechanical malfunctionShe indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms***’s [redacted] Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms***, inquiring as to her rate increaseand suggesting this loss was due to a mechanical failureThe vehicle was sold by [redacted] on April 20, and this vehicle is no longer in Nationwide’s possession to verify Ms***’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accidentShe also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, a recorded interview was conducted with Ms***, in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms [redacted] and the police report confirmed the accident, EricN***, the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of lossThere were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted] s property totaled $ 2,andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D [redacted] at ###-###-#### or by email at [redacted] Sincerely,Nan Q [redacted] Claims Specialist IIINationwide###-###-#### [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. ]I am willing to pay the $60.66 for January 1, 2017 through January 18, 2017. 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 [redacted] @gmail.com I would like to expedite this promptly to avoid more stress.
This letter is in response to the additional information sent in by Mr [redacted] to adjust the cancellation date on the Auto policyThe Auto policy originally cancelled per Mr [redacted] ’s request effective February 10, and there was a remaining balance of $for unpaid coverage provided up to the cancellation date Mr [redacted] provided proof of insurance with [redacted] 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 [redacted] at ###-###-#### or by email at [redacted] Sincerely, [redacted] SrAnalyst
Good afternoon,I am writing in response to the complaint number referenced above.In researching the accounts, I found that the complainant has had two closed Home Equity lines ofCredit with Nationwide Bank.On today's date, we overnighted the Satisfaction of Mortgage documents to the county in which theproperty is located for each of the two lines of creditWe also emailed the complainant copies of thesame documents and provided the FedEx tracking number for the package that is being sent to thecounty of residence for the complainant.I have spoken with the complainant multiple times and kept her aware of the progress in the resolutionof her concerns.We consider this matter resolvedPlease feel free to let me know if there are further questions orconcerns.Sincerely,
We are in receipt of your request dated July 25, for information regarding the above referenced fileMs [redacted] states that the processing of the above claim was excessively delayed and beyond the day time frame Nationwide states for claims turn aroundShe is requesting for her claim to be processed and paid immediately.Ms [redacted] has a Whole Pet With Wellness Plan with a $annual deductible for her cat ***On May 11, we received a claim with a diagnosis of “Fractured Rear Tooth, Severe Periodontal DiseaseDental Prophylaxis.” Received with ***’s claim was an invoice totaling $for treatment on May 10, This claim was reviewed and processed by our claims department on May 12, Given the close proximity to the policy effective date, this claim was temporarily denied and medical records were requested back to April 1, to verify eligibility.Although reimbursement of Ms [redacted] ’s claim was still pending additional information to determine eligibility, it was processed and closed the day after it was receivedThe explanation of benefits was sent out on May 13, and our claims department operated well within the day turn around time.Please see the timeline below for an explanation of our underwriting and claims department’s review:? May 11, 2016: Claim received.? May 12, 2016: Claim was temporarily denied and medical records were requested.? May 25, 2016: ***’s medical records were received.? June 15, 2016: A letter was sent to Ms [redacted] advising her that an additional days would be required for the review to be completed.? July 21, 2016: Underwriting review was completed [redacted] was noted to have moderate to severe dental disease on May 5, Based on information provided by ***’s veterinarian, it would require more than days for dental disease of this degree to manifest and is therefore pre-existing, per the terms of the policyThe veterinarian also clarified that there was no tooth fracture presentAs a dental cleaning had been performed, future claims may be eligible after May 24, Please note that since records also indicated [redacted] had been vomiting prior to the PED, an exclusion for gastroenteritis was added to her policy (diagnosis code 4500).? July 22, 2016: A letter was sent to Ms [redacted] advising her of the results of the underwriting review.As outlined in the Whole Pet With Wellness policy:Section What We Do Not Cover – ExclusionsA“Diagnosis or treatment of any pre-existing condition.”Section DefinitionsK“Pre-existing condition means any condition that began or was contracted, manifested, orincurred within twelve months of the effective date of this policy or during any waiting period,whether or not the condition was discovered, diagnosed, or treatedA chronic condition is a preexistingcondition unless it began after the effective date of this policy.”Claim was reopened and reprocessed post underwriting review with no reimbursement sincethe periodontal disease being treated was found to be pre-existingA revised explanation of benefits was sentto Ms [redacted] on July 22, This claim was processed correctly and within the terms of Ms [redacted] ’spolicy.While the processing of this claim was never delayed, the underwriting review did take additional time tocomplete in order to determine if the condition being treated was eligible for coverageMs [redacted] cancelledher policy for [redacted] effective July 22, She was issued a refund of her unearned premium July 24, 2016.Should you require any further assistance in this matter, please contact our [redacted] Patty G***, at [redacted] or via email at [redacted] Sincerely,Vincent G***
I’m sorry that I missed your call the other dayI was outside working, I tried to call you back, I wanted to let you know, I had sent my sister to the post office earlier to have the paperwork weighed and mailedI received another check for $(Ienclosed a copy) both checks totaling $1,That was one of the questions I wanted to ask you, I’m glad that the Revdex.com will keep my files for yearsI am continuing to search for more paperwork, because I would really like to know, whne all this charging startedI can’t help but feel that it had been going on longer than 2010, but Nationwide wouldn’t cooperate with me, so they will surely not volunteer any information, especially to help in my caseBecause I feel like if I hadn’t contacted the Revdex.com they would have continued with these chargesI guess that’s what upset me so, I was going to quietly let it go, but they just couldn’t, so it made me more determined to stand up to them and try to make it rightWhich leads up to the close of this letter.I really appreciate all the hard work that you Ms [redacted] and the Dispute Resolution Team put forth in working on my case ###### against Nationwide, and as I continue to search hopefully I can find some closureAgain thanks for all that you’ve done.I’m sorry that it’s taken so long to get back in touch with you.Thanks again.Sincerely,Mary LM [redacted]
Dear Mr. [redacted] This is in response to the inquiry received for the above policyholder and her recreational vehicle policy. Ms. [redacted] list concerns regarding her agent and the handling of her new business recreational... vehicle policy. On January 16, 2017, the primary agent received an email from our customer service department regarding Ms. [redacted] request to quote her new recreational vehicle. This was the first recorded contact the agency received regarding Ms. [redacted] need for a quote. When the agency spoke with Ms. [redacted] , it appeared the dealership was contacting the agency when it was closed on the weekend or after business hours during the week. No messages were left on the agency’s messaging system by Ms. [redacted] or the dealership. The agency did apologize for any confusion and was able to write a recreational vehicle policy for Ms. [redacted] with an effective date of February 1, 2017. On February 15, 2017, a letter was mailed to Ms. [redacted] and to the agency stating since no sales receipt had been received for the 2017 Forest River the Total Loss Replacement Cost was changed to Actual Cash Value. This change was done on the same day the letter was mailed with an effective date of February 1, 2017. Ms. [redacted] received the notice regarding the coverage reduction and emailed her agent on February 22, 2017. The agent was unavailable on February 22, however she emailed Ms. [redacted] on February 23, 2017 apologizing for not asking for the bill of sale as it was a new underwriting rule that she inadvertently overlooked when binding the policy. On February 27, 2017, Ms. [redacted] received her refund of $28.30 and contacted our customer service department. The change to remove the coverages was done the same day as the letter was mailed and the refund was issued on February 19, 2017 in our system. Ms. [redacted] was able to provide the bill of sale to the customer service representative as the agency had not yet submitted it to the underwriting department. The coverages were restored to the Total Loss Replacement Cost effective February 1, 2017. We do sincerely apologize to Ms. [redacted] and assure her that feedback has been given to the agency in regards to obtaining the bill of sale for recreational vehicles prior to binding a new business policy. If Ms. [redacted] would like her policies transferred to a different agency, our customer service department can assist her with this request. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at [redacted] Sincerely, Bridget D***
Business response: Ms [redacted] called in on 10/3/and spoke with Joleen in our office to request the cancellation of her policyJoleen mailed her a cancellation form on that day, and explained she would cancel the policy when she received the form back.Consumer comment: Not true she said my policy was canceled and it when I called her.Business Response: When I spoke with Ms [redacted] on 10/11/17, she said she had not received the cancellation form tosignI verified the address, and resent the cancellation formI said I would process the cancellationat that time effective 10/3/17, and wait to get the formal signed cancellation requestAs of 3/9/18, Ihave not received her formal signed cancellation form back.Consumer response: the letter I go canceled my policy on 10-3-17Business Response: I had also spoken with Ms [redacted] on 10/11/at 7:45AM about the funds that were taken from herchecking account, and I told her I would check into seeing about a refund for the funds taken from heraccount and get back to herI then called the [redacted] billing and Customer Service Center, and theysaid they would be putting the funds back in her account within two business daysI called Ms[redacted] back at 8:55AM to tell her and told her I’ll keep an eye on the billing to see what happens.She seemed to be satisfied at that time.Consumer response: Not true he gave me # to call and when I called they did not talk to meThey put a recording onBusiness Response:On 10/13/at 12:44PM, I called [redacted] billing because it seemed that the refund that was supposedto be returned was less than it should beI spoke to [redacted] and she said when Ms [redacted] hadcalled in directly back in October to request that her withdrawal date be changed to the 6th of themonth, it really makes it as though she is paying for the prior month and that is why she is not gettingher full refund back.Customer Response: It is iligal to pay back for InsYou cant pay for last month this month etc.If this isn’t fraud I don’t know what is When they did the auto payment I was actually paying ahead of time.What [redacted] is saying that I was paying for my InsFor last month not the month aheadWitch would be fraud I am being taken advantage of because I am an old woman Did you ever hear of paying insFor last moNot next moI haven’t.I have talked to other InsCoand they told me no you can’t pay for alst mo, you have to pay ahead for next monthI still think they owe me $plus the two $for each bounced check[redacted] ***
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 [redacted] Administrative ServicesInc (TPA) and serviced by Nationwide Financial (Nationwide)I appreciate the opportunity to address any concerns.Ms [redacted] 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 [redacted] 's account has been updatedAs of December 10, 2015, all system issues have been resolved and Ms [redacted] '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 [redacted] 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
I have reviewed this claim file and would like to address Ms [redacted] ’s concernsIfadditional information is required, please do not hesitate to let me know.Our insured, Erin [redacted] reported this claim through the internet on the evening ofNovember 1, for the water damage to their home that occurred earlier that dayTheclaim was subsequently assigned to Nationwide claims adjuster, Sarah C [redacted] on November2, 2016, who attempted to contact Ms [redacted] , and left a message for a return callTohelp mitigate the water damages, Nationwide Insurance assigned [redacted] , one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, who started the mitigation of cleaning and drying out Ms [redacted] ’sresidenceMsC [redacted] spoke with Ms [redacted] on November 3, regarding the claim.At that point, Ms [redacted] requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the homeMsC [redacted] approved thisAnestimate for the repairs to the home was completed by [redacted] onNovember 10, At this point, Mrand Ms [redacted] decided that they did not want touse [redacted] for the repairs to their homeAs the damages werefairly significant, Ms [redacted] found some additional damages that MsC [redacted] added to theestimateThe check was issued on November 22, for $18,for the repairs to thehomeMs [redacted] also sent in pictures, receipts, and a list of personal property that weredamagedAn estimate for these items was completed on November 16, After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mrand Ms [redacted] on November 23, for $1982.70.A check was also sent to [redacted] for the mitigation process onNovember 23, for $6,520.70.At this time, I have spoken with Ms [redacted] regarding payments issued for mitigation,repairs and the damage to the personal propertyOnce the repairs have been completed,Nationwide Insurance will release the recoverable depreciationMrand Ms [redacted] areaware of the documentation that they need to send in to verify repairs have been completed.If you have any additional questions, please contact [redacted] Angela S [redacted] at ###-###-#### or [redacted] Sincerely,Jared C [redacted]
This letter is in response to your request for information pertaining to the above file.Our records indicate the claim is showing correctly as not at faultOn February 20, 2018, aLetter of Experience (attached) was sent to the Ms [redacted] indicating no fault for theaccident on June 24, 2017.The February 2, 2018, renewal premium was impacted by a state-wide rate adjustmentimplemented on January 17, This was a company decision based on data we receivefor the entire stateWhenever a rate revision is filed, some areas and/or coverages maydecrease while others may increaseThe amount of rate change depends on many factors;the density of the population, the coverages being carried, and the rising costs of vehiclerepairs, medical bills, etc.Another factor affecting the renewal premium is the New Vehicle DiscountThis discount isfor vehicles under five years old, and is a diminishing discountThis means that thepercentage of the discount decreases every year and will then be removed completely whenthe vehicle becomes five years oldThe percentage is lessened effective October first ofeach year, and will apply to the policy on the first renewal after October first.If you require further assistance, please contact Barb D [redacted] , at ###-###-#### or byemail at [redacted] @nationwide.com.Sincerely,Erica C***Senior AnalystEnclosure:
[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: First, it was already discussed with MsMelissa that the insurance will be backdated so that there is no lapse showing in coverage showing by DMV For some reason, she decided to just sent reimbursements for fines we paid to DMV; instead she was supposed to rectify this situation with DMV and get our records clear with DMV first To this date, this has not been done.What I don't understand is that, why do I have to pay insurance for backdated insurance? Usually we pay insurance for future, not for our past.Only thing I want to be rectified is that there is no lapse in insurance Why do I have to pay for something for something that there is no risk involved for your company.Basically, Nationwide is just benefiting for this situation Nationwide is definitely not on my side, they are just doing business and dirty one.Second, I don't have taxi receipts Ok, so Nationwide needs receipts Fine don't give me taxi reimbursements But, what happened to NOT providing me rental cars for which NationWide was wholly solely responsible.Why didn't you advise me that my cars will be suspended if I remove the liability insurance? You are not agreeing this fault of yours? So, basically you created all this problem for me, and now you just want my money without making things any better for me? Only for your business, and in a very dirty way.You sure are doing DIRTY BUSINESS I hate Nationwide from now on, and will strongly urge my family and friends about this situation Regards, [redacted]
This letter is in response to the concerns filed by Ms [redacted] 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 [redacted] lives in thehome with another Nationwide Member making the policy eligible for Multicar discount and Ms[redacted] 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 [redacted] Sincerely,Meg M [redacted]
I had put in a complaint last about Nationwide and my insurance billWhen I started my own policy with nationwide I had paid When I received the bill for the following month it went up to I called Nationwide to explain as to why the increase no one could tell me whyAt this rate I had sent in a complaint with the Revdex.comAfter it was disputed, my bill ended up being for the remaining policyThe start of my new policy my bill was I called Nationwide to explain to me as to where did the increase come fromThe representatives Michelle stated that there was a increase because of the area I am inShe went on to state everyone has seen this increaseMy mother also has been with Nationwide and has a policy with them, we live in the same householdShe has not had an increase in her insuranceI asked her to send me in writing or where I can find this increaseI have not received itIt looks as if I have roadside assistance on my policy in which I never asked forI have it through my dealershipBy the end of the call I was quoted When I received the email it stated I would like to know in writing of the area in crease and why my mother has not seen itIs this going to be an ongoing thing with my policy of a increase? I wanted to know how it can increase so much from 134.00? I would also like documentation of that as well as, where the extra is coming from for next month.Thank you [redacted]
We are in receipt of your correspondence dated May 11, regarding the concerns of our former policyholder, Ms [redacted] ***I would be happy to respond to Ms [redacted] concerns on behalf of Nationwide Insurance.On December 5, 2016, Ms [redacted] contacted the Personal Lines Service Center and requested to remove uninsured motorist coverage from her policyDuring this call, Ms [redacted] was advised that her bill due on December 8, would be $There was no discussion of cancelling the policy during this conversation.Upon review, with the removal of the uninsured motorist coverage from the policy, this only decreased the prior term by $4.16, which then adjusted the current bill due from $to $A payment of $was attempted to be drafted from Ms [redacted] account on December 8, 2016, which prompted an additional call to the Personal Lines Service CenterThe phone call was reviewed, and it was agreed to only accept a payment of $21.04, and to reimburse Ms [redacted] for any bank fees she was charged due to this error.On December 26, 2016, Ms [redacted] requested to cancel her policyThe required cancellation request form was received on December 29, 2016, and the policy was cancelled effective January 8, A final bill in the amount of $was issued for coverage provided up to the date of cancellation.Ms [redacted] contacted the Personal Lines Service Center on January 18, to advise she had replacement coverage effective December 27, An additional cancellation request form was received, and on January 25, 2017, the policy cancellation effective date was adjusted to December 27, 2016.At this time, the final balance of $is owed to Nationwide Insurance for coverage provided up to the date of cancellation of December 27, 2016.If you require further assistance, please contact Joey L [redacted] at ###-###-#### or by email at [redacted] .Sincerely,Tara P***SrAnalyst
Attached is a copy of my April 4, statement from Nationwide stating mo payment April - May is $page It cleared my bank on 4-2-so it was not late Page attached.Page is part of your letter stating they cancelled on April 28, Insurance was paid through May 4, so why do I woe according to Nationwide $There is no reason for fees
We are in receipt of the complaint on the above mentioned matterClaims Associate, Eric V***, hasbeen working with Mrand Mrs [redacted] regarding this claimMrV [redacted] has made several revisionsto the estimate for repairs to address some of the concerns mentioned in the complaint as outlinedbelow:? After discussion with the [redacted] ’s contractor and the cabinet installer, we agreed to thereplacement of the kitchen cabinets? The master bedroom carpet was to be resolved directly by [redacted] and their subcontractorAs thishas not been resolved at this time, we agreed to the replacement of this carpet.A copy of the revised estimate has been provided to the [redacted] MrV [redacted] has reviewed therevisions named above with Mrs [redacted] and she agreed and advised there is nothing additionalneeded at this timeA copy of the revised estimate is attached to this response.If you have any additional questions, please contact Customer Advocacy Coordinator AngelaS [redacted] at [redacted] or [redacted] Sincerely,Stacey H***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper managementThey did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shopI'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in NovemberI feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you Regards, [redacted] ***
I feel this is not ethical business practice and they are taking advantage of the customer with this prior Ins. clause . It seems a company would be eager to insure a customer that hadn't cost them a penny and always payed in full and on time. I've taken this to my local TV station Regards, [redacted]
Dear Ms [redacted] :Thank you for the opportunity to respond to the complaint filed by *** [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe havereviewed the concerns expressed by Ms [redacted] and will attempt to address them in the letter[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms [redacted] lost control of her [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the [redacted] she was driving at the time of theaccident failed due to a mechanical malfunctionShe indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms***’s [redacted] Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms***, inquiring as to her rate increaseand suggesting this loss was due to a mechanical failureThe vehicle was sold by [redacted] on April 20, and this vehicle is no longer in Nationwide’s possession to verify Ms***’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accidentShe also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, a recorded interview was conducted with Ms***, in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms [redacted] and the police report confirmed the accident, EricN***, the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of lossThere were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted] s property totaled $ 2,andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D [redacted] at ###-###-#### or by email at [redacted] Sincerely,Nan Q [redacted] Claims Specialist IIINationwide###-###-#### [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. ]I am willing to pay the $60.66 for January 1, 2017 through January 18, 2017. 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 [redacted] @gmail.com I would like to expedite this promptly to avoid more stress.
This letter is in response to the additional information sent in by Mr [redacted] to adjust the cancellation date on the Auto policyThe Auto policy originally cancelled per Mr [redacted] ’s request effective February 10, and there was a remaining balance of $for unpaid coverage provided up to the cancellation date Mr [redacted] provided proof of insurance with [redacted] 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 [redacted] at ###-###-#### or by email at [redacted] Sincerely, [redacted] SrAnalyst
Good afternoon,I am writing in response to the complaint number referenced above.In researching the accounts, I found that the complainant has had two closed Home Equity lines ofCredit with Nationwide Bank.On today's date, we overnighted the Satisfaction of Mortgage documents to the county in which theproperty is located for each of the two lines of creditWe also emailed the complainant copies of thesame documents and provided the FedEx tracking number for the package that is being sent to thecounty of residence for the complainant.I have spoken with the complainant multiple times and kept her aware of the progress in the resolutionof her concerns.We consider this matter resolvedPlease feel free to let me know if there are further questions orconcerns.Sincerely,
We are in receipt of your request dated July 25, for information regarding the above referenced fileMs [redacted] states that the processing of the above claim was excessively delayed and beyond the day time frame Nationwide states for claims turn aroundShe is requesting for her claim to be processed and paid immediately.Ms [redacted] has a Whole Pet With Wellness Plan with a $annual deductible for her cat ***On May 11, we received a claim with a diagnosis of “Fractured Rear Tooth, Severe Periodontal DiseaseDental Prophylaxis.” Received with ***’s claim was an invoice totaling $for treatment on May 10, This claim was reviewed and processed by our claims department on May 12, Given the close proximity to the policy effective date, this claim was temporarily denied and medical records were requested back to April 1, to verify eligibility.Although reimbursement of Ms [redacted] ’s claim was still pending additional information to determine eligibility, it was processed and closed the day after it was receivedThe explanation of benefits was sent out on May 13, and our claims department operated well within the day turn around time.Please see the timeline below for an explanation of our underwriting and claims department’s review:? May 11, 2016: Claim received.? May 12, 2016: Claim was temporarily denied and medical records were requested.? May 25, 2016: ***’s medical records were received.? June 15, 2016: A letter was sent to Ms [redacted] advising her that an additional days would be required for the review to be completed.? July 21, 2016: Underwriting review was completed [redacted] was noted to have moderate to severe dental disease on May 5, Based on information provided by ***’s veterinarian, it would require more than days for dental disease of this degree to manifest and is therefore pre-existing, per the terms of the policyThe veterinarian also clarified that there was no tooth fracture presentAs a dental cleaning had been performed, future claims may be eligible after May 24, Please note that since records also indicated [redacted] had been vomiting prior to the PED, an exclusion for gastroenteritis was added to her policy (diagnosis code 4500).? July 22, 2016: A letter was sent to Ms [redacted] advising her of the results of the underwriting review.As outlined in the Whole Pet With Wellness policy:Section What We Do Not Cover – ExclusionsA“Diagnosis or treatment of any pre-existing condition.”Section DefinitionsK“Pre-existing condition means any condition that began or was contracted, manifested, orincurred within twelve months of the effective date of this policy or during any waiting period,whether or not the condition was discovered, diagnosed, or treatedA chronic condition is a preexistingcondition unless it began after the effective date of this policy.”Claim was reopened and reprocessed post underwriting review with no reimbursement sincethe periodontal disease being treated was found to be pre-existingA revised explanation of benefits was sentto Ms [redacted] on July 22, This claim was processed correctly and within the terms of Ms [redacted] ’spolicy.While the processing of this claim was never delayed, the underwriting review did take additional time tocomplete in order to determine if the condition being treated was eligible for coverageMs [redacted] cancelledher policy for [redacted] effective July 22, She was issued a refund of her unearned premium July 24, 2016.Should you require any further assistance in this matter, please contact our [redacted] Patty G***, at [redacted] or via email at [redacted] Sincerely,Vincent G***
I’m sorry that I missed your call the other dayI was outside working, I tried to call you back, I wanted to let you know, I had sent my sister to the post office earlier to have the paperwork weighed and mailedI received another check for $(Ienclosed a copy) both checks totaling $1,That was one of the questions I wanted to ask you, I’m glad that the Revdex.com will keep my files for yearsI am continuing to search for more paperwork, because I would really like to know, whne all this charging startedI can’t help but feel that it had been going on longer than 2010, but Nationwide wouldn’t cooperate with me, so they will surely not volunteer any information, especially to help in my caseBecause I feel like if I hadn’t contacted the Revdex.com they would have continued with these chargesI guess that’s what upset me so, I was going to quietly let it go, but they just couldn’t, so it made me more determined to stand up to them and try to make it rightWhich leads up to the close of this letter.I really appreciate all the hard work that you Ms [redacted] and the Dispute Resolution Team put forth in working on my case ###### against Nationwide, and as I continue to search hopefully I can find some closureAgain thanks for all that you’ve done.I’m sorry that it’s taken so long to get back in touch with you.Thanks again.Sincerely,Mary LM [redacted]
Dear Mr. [redacted] This is in response to the inquiry received for the above policyholder and her recreational vehicle policy. Ms. [redacted] list concerns regarding her agent and the handling of her new business recreational... vehicle policy. On January 16, 2017, the primary agent received an email from our customer service department regarding Ms. [redacted] request to quote her new recreational vehicle. This was the first recorded contact the agency received regarding Ms. [redacted] need for a quote. When the agency spoke with Ms. [redacted] , it appeared the dealership was contacting the agency when it was closed on the weekend or after business hours during the week. No messages were left on the agency’s messaging system by Ms. [redacted] or the dealership. The agency did apologize for any confusion and was able to write a recreational vehicle policy for Ms. [redacted] with an effective date of February 1, 2017. On February 15, 2017, a letter was mailed to Ms. [redacted] and to the agency stating since no sales receipt had been received for the 2017 Forest River the Total Loss Replacement Cost was changed to Actual Cash Value. This change was done on the same day the letter was mailed with an effective date of February 1, 2017. Ms. [redacted] received the notice regarding the coverage reduction and emailed her agent on February 22, 2017. The agent was unavailable on February 22, however she emailed Ms. [redacted] on February 23, 2017 apologizing for not asking for the bill of sale as it was a new underwriting rule that she inadvertently overlooked when binding the policy. On February 27, 2017, Ms. [redacted] received her refund of $28.30 and contacted our customer service department. The change to remove the coverages was done the same day as the letter was mailed and the refund was issued on February 19, 2017 in our system. Ms. [redacted] was able to provide the bill of sale to the customer service representative as the agency had not yet submitted it to the underwriting department. The coverages were restored to the Total Loss Replacement Cost effective February 1, 2017. We do sincerely apologize to Ms. [redacted] and assure her that feedback has been given to the agency in regards to obtaining the bill of sale for recreational vehicles prior to binding a new business policy. If Ms. [redacted] would like her policies transferred to a different agency, our customer service department can assist her with this request. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at [redacted] Sincerely, Bridget D***
Business response: Ms [redacted] called in on 10/3/and spoke with Joleen in our office to request the cancellation of her policyJoleen mailed her a cancellation form on that day, and explained she would cancel the policy when she received the form back.Consumer comment: Not true she said my policy was canceled and it when I called her.Business Response: When I spoke with Ms [redacted] on 10/11/17, she said she had not received the cancellation form tosignI verified the address, and resent the cancellation formI said I would process the cancellationat that time effective 10/3/17, and wait to get the formal signed cancellation requestAs of 3/9/18, Ihave not received her formal signed cancellation form back.Consumer response: the letter I go canceled my policy on 10-3-17Business Response: I had also spoken with Ms [redacted] on 10/11/at 7:45AM about the funds that were taken from herchecking account, and I told her I would check into seeing about a refund for the funds taken from heraccount and get back to herI then called the [redacted] billing and Customer Service Center, and theysaid they would be putting the funds back in her account within two business daysI called Ms[redacted] back at 8:55AM to tell her and told her I’ll keep an eye on the billing to see what happens.She seemed to be satisfied at that time.Consumer response: Not true he gave me # to call and when I called they did not talk to meThey put a recording onBusiness Response:On 10/13/at 12:44PM, I called [redacted] billing because it seemed that the refund that was supposedto be returned was less than it should beI spoke to [redacted] and she said when Ms [redacted] hadcalled in directly back in October to request that her withdrawal date be changed to the 6th of themonth, it really makes it as though she is paying for the prior month and that is why she is not gettingher full refund back.Customer Response: It is iligal to pay back for InsYou cant pay for last month this month etc.If this isn’t fraud I don’t know what is When they did the auto payment I was actually paying ahead of time.What [redacted] is saying that I was paying for my InsFor last month not the month aheadWitch would be fraud I am being taken advantage of because I am an old woman Did you ever hear of paying insFor last moNot next moI haven’t.I have talked to other InsCoand they told me no you can’t pay for alst mo, you have to pay ahead for next monthI still think they owe me $plus the two $for each bounced check[redacted] ***
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 [redacted] Administrative ServicesInc (TPA) and serviced by Nationwide Financial (Nationwide)I appreciate the opportunity to address any concerns.Ms [redacted] 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 [redacted] 's account has been updatedAs of December 10, 2015, all system issues have been resolved and Ms [redacted] '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 [redacted] 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
I have reviewed this claim file and would like to address Ms [redacted] ’s concernsIfadditional information is required, please do not hesitate to let me know.Our insured, Erin [redacted] reported this claim through the internet on the evening ofNovember 1, for the water damage to their home that occurred earlier that dayTheclaim was subsequently assigned to Nationwide claims adjuster, Sarah C [redacted] on November2, 2016, who attempted to contact Ms [redacted] , and left a message for a return callTohelp mitigate the water damages, Nationwide Insurance assigned [redacted] , one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, who started the mitigation of cleaning and drying out Ms [redacted] ’sresidenceMsC [redacted] spoke with Ms [redacted] on November 3, regarding the claim.At that point, Ms [redacted] requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the homeMsC [redacted] approved thisAnestimate for the repairs to the home was completed by [redacted] onNovember 10, At this point, Mrand Ms [redacted] decided that they did not want touse [redacted] for the repairs to their homeAs the damages werefairly significant, Ms [redacted] found some additional damages that MsC [redacted] added to theestimateThe check was issued on November 22, for $18,for the repairs to thehomeMs [redacted] also sent in pictures, receipts, and a list of personal property that weredamagedAn estimate for these items was completed on November 16, After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mrand Ms [redacted] on November 23, for $1982.70.A check was also sent to [redacted] for the mitigation process onNovember 23, for $6,520.70.At this time, I have spoken with Ms [redacted] regarding payments issued for mitigation,repairs and the damage to the personal propertyOnce the repairs have been completed,Nationwide Insurance will release the recoverable depreciationMrand Ms [redacted] areaware of the documentation that they need to send in to verify repairs have been completed.If you have any additional questions, please contact [redacted] Angela S [redacted] at ###-###-#### or [redacted] Sincerely,Jared C [redacted]
This letter is in response to your request for information pertaining to the above file.Our records indicate the claim is showing correctly as not at faultOn February 20, 2018, aLetter of Experience (attached) was sent to the Ms [redacted] indicating no fault for theaccident on June 24, 2017.The February 2, 2018, renewal premium was impacted by a state-wide rate adjustmentimplemented on January 17, This was a company decision based on data we receivefor the entire stateWhenever a rate revision is filed, some areas and/or coverages maydecrease while others may increaseThe amount of rate change depends on many factors;the density of the population, the coverages being carried, and the rising costs of vehiclerepairs, medical bills, etc.Another factor affecting the renewal premium is the New Vehicle DiscountThis discount isfor vehicles under five years old, and is a diminishing discountThis means that thepercentage of the discount decreases every year and will then be removed completely whenthe vehicle becomes five years oldThe percentage is lessened effective October first ofeach year, and will apply to the policy on the first renewal after October first.If you require further assistance, please contact Barb D [redacted] , at ###-###-#### or byemail at [redacted] @nationwide.com.Sincerely,Erica C***Senior AnalystEnclosure:
[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: First, it was already discussed with MsMelissa that the insurance will be backdated so that there is no lapse showing in coverage showing by DMV For some reason, she decided to just sent reimbursements for fines we paid to DMV; instead she was supposed to rectify this situation with DMV and get our records clear with DMV first To this date, this has not been done.What I don't understand is that, why do I have to pay insurance for backdated insurance? Usually we pay insurance for future, not for our past.Only thing I want to be rectified is that there is no lapse in insurance Why do I have to pay for something for something that there is no risk involved for your company.Basically, Nationwide is just benefiting for this situation Nationwide is definitely not on my side, they are just doing business and dirty one.Second, I don't have taxi receipts Ok, so Nationwide needs receipts Fine don't give me taxi reimbursements But, what happened to NOT providing me rental cars for which NationWide was wholly solely responsible.Why didn't you advise me that my cars will be suspended if I remove the liability insurance? You are not agreeing this fault of yours? So, basically you created all this problem for me, and now you just want my money without making things any better for me? Only for your business, and in a very dirty way.You sure are doing DIRTY BUSINESS I hate Nationwide from now on, and will strongly urge my family and friends about this situation Regards, [redacted]
This letter is in response to the concerns filed by Ms [redacted] 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 [redacted] lives in thehome with another Nationwide Member making the policy eligible for Multicar discount and Ms[redacted] 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 [redacted] Sincerely,Meg M [redacted]
I had put in a complaint last about Nationwide and my insurance billWhen I started my own policy with nationwide I had paid When I received the bill for the following month it went up to I called Nationwide to explain as to why the increase no one could tell me whyAt this rate I had sent in a complaint with the Revdex.comAfter it was disputed, my bill ended up being for the remaining policyThe start of my new policy my bill was I called Nationwide to explain to me as to where did the increase come fromThe representatives Michelle stated that there was a increase because of the area I am inShe went on to state everyone has seen this increaseMy mother also has been with Nationwide and has a policy with them, we live in the same householdShe has not had an increase in her insuranceI asked her to send me in writing or where I can find this increaseI have not received itIt looks as if I have roadside assistance on my policy in which I never asked forI have it through my dealershipBy the end of the call I was quoted When I received the email it stated I would like to know in writing of the area in crease and why my mother has not seen itIs this going to be an ongoing thing with my policy of a increase? I wanted to know how it can increase so much from 134.00? I would also like documentation of that as well as, where the extra is coming from for next month.Thank you [redacted]
We are in receipt of your correspondence dated May 11, regarding the concerns of our former policyholder, Ms [redacted] ***I would be happy to respond to Ms [redacted] concerns on behalf of Nationwide Insurance.On December 5, 2016, Ms [redacted] contacted the Personal Lines Service Center and requested to remove uninsured motorist coverage from her policyDuring this call, Ms [redacted] was advised that her bill due on December 8, would be $There was no discussion of cancelling the policy during this conversation.Upon review, with the removal of the uninsured motorist coverage from the policy, this only decreased the prior term by $4.16, which then adjusted the current bill due from $to $A payment of $was attempted to be drafted from Ms [redacted] account on December 8, 2016, which prompted an additional call to the Personal Lines Service CenterThe phone call was reviewed, and it was agreed to only accept a payment of $21.04, and to reimburse Ms [redacted] for any bank fees she was charged due to this error.On December 26, 2016, Ms [redacted] requested to cancel her policyThe required cancellation request form was received on December 29, 2016, and the policy was cancelled effective January 8, A final bill in the amount of $was issued for coverage provided up to the date of cancellation.Ms [redacted] contacted the Personal Lines Service Center on January 18, to advise she had replacement coverage effective December 27, An additional cancellation request form was received, and on January 25, 2017, the policy cancellation effective date was adjusted to December 27, 2016.At this time, the final balance of $is owed to Nationwide Insurance for coverage provided up to the date of cancellation of December 27, 2016.If you require further assistance, please contact Joey L [redacted] at ###-###-#### or by email at [redacted] .Sincerely,Tara P***SrAnalyst