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.
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June 2017 that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/2017
Regards, [redacted]
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVED. THIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY 3 WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WAS. I HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTS. I WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLY. AT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted],. I have submitted documents required to contest VPI denial decision for my cat, [redacted]. This week, I reviewed the case with a VPI agent and one of their underwriters. It was pointed out to me that while my cat, [redacted] did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion. She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred. My vet's office is deeply involved in this case and has spoken in my defense with VPI. They will support my Review of Claim submission with appropriate documentation. I hope for a fair resolution of [redacted]'s claim.Yes, ? did choose remove my other cat [redacted] from VPI insurance. Like [redacted], she's also been covered by VPI since 2007 under a "Superior" plan. At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week. She required surgery and supportive care. Her bill was approximately $5,000 but VPI paid less than 44% on the claims submitted. I've paid more than double in plan payments than the amount reimbursed. In my world, that's a terrible return on investment. Having [redacted]'s claim completely denied was the final straw, so I moved [redacted] to another company's plan.In closing, I hope that we can reach a resolution in [redacted]'s case. No client wants to battle a company in order to receive fair treatment. It's stressful and frustrating. It's also bad business for VPI/Nationwide. Today, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experience. It's much better for all parties involved to resolve issues quickly and easily. I appreciate VPI's willingness to review [redacted]'s claim and the Revdex.com for mediating.
Regards, [redacted]
Dear: [redacted] On May 13,2015 claimant [redacted] went to [redacted] for an estimate. [redacted] stated to the shop that the L quarter panel and rear bumper cover damage was part of the claim and wanted the shop to include this on the estimate. ...
However, on May 8, 2015 when investigating claim associate contacted our policyholder about the details of the accident, policyholder explained that [redacted] told them at the time of the accident that the quarter panel and rear bumper was damaged a week before and not part of this claim. Because of this, the inside desk reviewer requested a field inspection of [redacted] vehicle to determine if the L quarter panel and rear bumper was part of this claim. Field associate [redacted] contacted [redacted] and inspected his vehicle at his residence. Upon inspection, [redacted] determined that the quarter panel and rear bumper as not related. [redacted] explained this to [redacted]. [redacted] pointed out that there was white paint transfer on the door that our policyholder backed into. Our policyholder has a white vehicle. The ding in the quarter panel is round and about dime shape. Looked as if a stone flew back and caused the damage but it was not from being struck by our policyholder. The rear bumper is pulled outward and backward away from the vehicle and would not be consistent with someone backing into the vehicle of [redacted]. [redacted] vehicle was parked and unoccupied at the time of the accident. There is no scraping down the side of [redacted] vehicle only the on impact on the L front door. [redacted] called [redacted] a few days later and [redacted] explained again why Nationwide could not pay for the damage to the L quarter panel and rear bumper. Then later the repair shop called [redacted] and wanted to know if Nationwide was paying for the questionable damage and [redacted] explained to the shop why he was not paying for the damage. [redacted] stated that he only rec'd the one call from [redacted] and one from the body shop and he returned all of them. He does not remember [redacted] calling him and he didn't return the call. After reviewing the file, I am in agreement with [redacted] on the damages to the L quarter panel and rear bumper not being related to a single impact caused by our policyholder backing up and hitting a park vehicle in the L front door. Sincerely,
There seems to be a miscommunication from the correspondence between [redacted] and myself. The correspondence ended with an email reply to them and I have heard nothing further back. I did not give [redacted] any specific dates of the calls due to the significant amount of time that has passed since both calls where made. [redacted] did understand this because in his message to me, he said and I quote "can you clarify, if possible, who you spoke to or how you received the information about the 3-year freeze on cost increases?" I did explain to [redacted] my position in trying to back track that far back and pin point two calls. With that said, there is no documentation to support my statement of course due to the fact that these where both verbal communications to confirm or finalize my choices on a insurance provider, and to speak about a problem that I would consider typical which is processing a payment. Had I been late with a payment or something else that might have made my account stand out, then it would be much easier to pin point the time frame of the calls. In any case, this does not make this claim any less valid due to the fact that I opened this claim based on this information which was initially provided in the first place. My goal of this correspondence is to move forward and find a resolution, not dwell on what went wrong and how it went wrong because it obviously will not benefit the customer (myself) in any way. I would like to ask, can the monthly administration fee be remove? I have already looked into my contract to cover details on the rate increase so I will accept that since my rate was increased after a year of being enrolled. If the admin fee can at least be removed, that will satisfy myself as a customer. Please advise if this is possible. I am requesting the information here for the purpose of record keeping because calling in requesting information is how we ended up here in the first place. Thank you for your time.
The PDF form of Titan's does NOT show my signature. I want to see MY ORIGINALLY SIGNED DOCUMENT, and I will know if it is my signature. Anyone can leave the signature blank and fill out/type out the info, but WHERE'S MY SIGNATURE? Besides, none of this was said to me...MY DOWN PAYMENT WAS TO START MY VEHICLE INSURANCE. If I was told any of this about yearly purchase of insurance, early cancellation crap, etc., etc., I NEVER, IN MY LIFE, WOULD EVER HAVE PURCHASED SUCH TRASH. Cannot believe this is being done. What corruption! The media really does need to get involved in this doings, and get the word out to people re this disgusting stuff they are doing. It was my belief that I was buying regular/normal vehicle insurance for my car AND NEVER IN MY LIFE HAVE I EVER RAN ACROSS CAR INSURANCE WHERE YOU HAD TO SIGN UP FOR A YEAR. WHAT CRAP! PEOPLE SELL THEIR CARS SOMETIMES, WHAT KIND OF PRACTICE IS THIS. Once again, I NEVER WAS TOLD ANYTHING RE YEARLY PURCHASE FOR VEHICLE INSURANCE. I would have gotten right up and walked out that door. My old Farmer's Insurance told me I'd be sorry when I told them I insured with Titan. But, I never signed documents WITH MY SIGNATURE ON IT, to receive insurance in this manner. If this is NOT SETTLED, I am contacting every news media I can think of so they can get the word out to the people. I thought Nationwide was probably a great company, boy that's a joke. BUT ALL THE PEOPLE NEED TO KNOW ABOUT THIS. I've worked for lots of insurance companies, [redacted], with [redacted] (AUTO SECTION), and a couple more and never anything like this. They had normal policies. THIS IS INSANE! ALL THE PEOPLE NEED TO BE AWARE OF THIS COMPANY ONCE AND FOR ALL. Regards, [redacted]
This letter is in response to the complaint filed by Mr. [redacted] over the collection balance and the Vanishing Deductible feature on the policy. On December 21, 2016 Mr. [redacted] called to replace a 1997 [redacted] pickup truck with a 2016 [redacted] Soul effective December 20, 2016. At...
the time the vehicle was added a billing statement for January was already sent. Nationwide does not increase installments after billing statements are sent so the 2016 [redacted] Soul was not included in the billing amount until the February billing statement was issued. On December 22, 2016 Mr. [redacted] called in to inquire on Vanishing Deductible. In the call he stated he just spoke with an Agent through Nationwide Sales and he was advised he did not have Vanishing Deductible. Servicing advised him he did not but asked if he was interested in getting the Vanishing Deductible added. Mr. [redacted] wanted Servicing to quote adding the Vanishing Deductible. Mr. [redacted] had stated he wanted to make it available when he replaced the vehicle on his policy as he thought he had the coverage then. Once Servicing quoted the amount and gave it to Mr. [redacted] he was upset that he was expected to pay for the backdating. Servicing explained we would not be able to add the coverage without charging premium. Mr. [redacted] did not want to pay the premium; the Vanishing Deductible feature was not added to the policy. On January 4, 2017 Mr. [redacted] called in to inquire on Vanishing Deductible. He wanted to verify that the Vanishing Deductible feature credit amount was set to $400.00. Servicing reviewed his policy and stated they did not see that he had the feature at all. Mr. [redacted] explained he thought he has had the feature since the policy has been written and asked her to review the call to get the Vanishing Deductible feature added. Servicing agreed to send for a call pull to review and see if the coverage could be added back to the start of the policy. Servicing then advised Mr. [redacted] in order to backdate the addition of the Vanishing Deductible feature back to 2014 we would have to charge him the premium for that coverage back to November 4, 2014. Mr. [redacted] stated in the call that he didn’t want to pay for the prior four years and would like to have the coverage added effective December 22, 2016 when he replaced his vehicle. Servicing added the coverage and advised Mr. [redacted] his deductible credit would be set at $100.00 and would reduce annually until it reached $500.00 and that the deductible credit could not be set at $400.00 at the time of adding the feature. Mr. [redacted] agreed to the change which resulted in an increase of $22.00 and added the Vanishing Deductible effective December 22, 2016. On January 11, 2017 a Declaration page was sent to Mr. [redacted] indicating that the Vanishing Deductible had been added. On the Declaration page it indicates that Vanishing Deductible feature credit amount was set to $100.00. In addition to the Declaration page a billing statement was sent indicating an amount due of $101.46 was due for the Auto policy by February 4, 2017. This was the first billing cycle in which Nationwide had billed out for the 2016 [redacted] that was added December 22, 2016. Nationwide does not increase bills due to a change and at the time the 2016 [redacted] was added a bill for January had already been sent. On February 8, 2017 Mr. [redacted] called in and request canceled his Auto policy effective February 10, 2017. A confirmation e-mail was sent to Mr. [redacted] indicating the Auto policy was canceled effective February 10, 2017. The collection amount is premium due for the 2016 [redacted] Soul which had not yet been collected due to Nationwide not having time to bill out for the added vehicle until January. If Mr. [redacted] can provide proof of coverage before the February 10, 2017 cancel date on the policy, the date can be adjusted to reflect the correct cancel date. In summary, the amount of $89.39 is valid based on the premium due for the vehicle that had not yet been collected and the Vanishing Deductible feature that the Mr. [redacted] agreed to add. If you require further assistance, please contact, [redacted], at ###-###-#### or by email at [redacted]. Sincerely, [redacted] Sr. Analyst
We are in receipt of your correspondence dated March 7, 2017 addressed to [redacted], regarding [redacted]’s concern of the SmartRide program. I will be happy to respond to the concerns of Mr. [redacted] on her behalf.When a vehicle is enrolled into the SmartRide program a 10% participation...
discount is applied to the vehicle while the customer has the device plugged in and is transmitting data. The SmartRide program requires the device to be installed in the vehicle at least 85 days and 50 days prior to the policy renewal date for the vehicle to receive the verified discount on the renewal term. When a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.On December 15, 2016, Jonathan [redacted] contacted Nationwide to replace a 2013 Chevrolet Equinox with a 2017 Chevrolet Silverado. The 2013 Chevrolet Equinox was receiving a 10% SmartRide Discount for participating in the SmartRide program while the device was installed in the vehicle and transmitting data. The 2013 Chevrolet Equinox was trending to receive a 40% verified SmartRide Discount, which would have been applied on the April 1, 2017 renewal term if the vehicle would not have been replaced with a 2017 Chevrolet Silverado.On December 16, 2016, Jonathan [redacted] contacted Nationwide concerning the SmartRide program for the 2017 Chevrolet Silverado. Mr. [redacted] was correctly advised when a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.Nationwide is not able to accommodate [redacted]’s expected resolution to apply a 40% verified SmartRide Discount to the 2017 Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide program. If the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, 2017 renewal term as determined by the data collection period.If you require further assistance, please contact our Customer Relations Coordinator, Janice K[redacted], at ###-###-#### or by email at [redacted].Sincerely,Jake M[redacted]
Dear: Ms. [redacted] "Thank you for the opportunity to respond to this complaint. We received notice of a Medical Payments claim by Ms. [redacted] on September 9, 2016. After a review of the claim, the Nationwide Claims Associate issued payment to Ms. [redacted] on October 6,...
2016 for the coverage limit of $2,000.00. On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding [redacted] lien against any Medical Payments coverage available to Ms. [redacted] for the loss. The Nationwide Claims Associate also contacted Ms. [redacted] and asked if she had cashed the $2,000.00 check yet. Ms. [redacted] said she had not. The Nationwide Claims Associate was not aware, at that time, that Ms. [redacted] had actually cashed the check a few days prior. The "stop payment" of the $2,000.00 check caused Ms. [redacted]' account to be overdrawn. Nationwide found out about the overdrawn account on Oct 17, 2016. Thereafter, Nationwide Claims Manager Bill P[redacted] reviewed the file and determined that there was no outstanding [redacted] lien on the Medical Payments coverage available to Ms. [redacted] for the loss. Based on this determination, Nationwide tried to deposit the $2000 payment directly into Ms. [redacted]' account on October 17, 2016, but Ms. [redacted] instead requested that Nationwide overnight a check to her. Nationwide overnighted a $2,000.00 check to Ms. [redacted] on October 18, 2016. The check was delivered to Ms [redacted] at approximately 11:30 am on October 19, 2016. Ms. [redacted] claims to have incurred a $75.00 overdraft charge. Nationwide is willing to reimburse Ms. [redacted] the $75.00 charge upon proof of loss being submitted by Ms. [redacted]. Nationwide has requested the proof of loss on October 18th , 20th and 27th. As of the writing of this letter Nationwide has not received any proof that this $75.00 charge exsists. Nationwide maintains the position that it will be happy to reimburse Ms. [redacted] once she submits proof of the $75.00 loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S[redacted] , at ###-###-#### or by email at [redacted] Sincerely, William J P[redacted] [redacted]
[redacted]
I am writing in response to the complaint referenced above, for [redacted], regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr. [redacted]s account, I find that we have received all the documentation required of Mr. [redacted] inorder to maintain his approved interest rate. I sincerely...
apologize for any frustration or concern our letter mayhave caused Mr. [redacted]. To verify, the loan number referenced in Mr. [redacted]s complaint was opened with Nationwide Bank onNovember 28, 2016 for a term of sixty months with an APR of 10.98%. That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: [redacted]In reference to the comments [redacted] has stated to the Revdex.com, I refute the information in which she states, they reached out to me immediately when they discovered the problem. I am who immediately after going through a major embarrassment trying to use my debit card attached to the account in which Nationwide's checks were returned, called Nationwide and demanded rectification of the bad checks. I have received the replacement check funds and the returned check fees, however, there are two $37 each fees caused by my bank paying out on pre-authorized payments. But because of Nationwide's check error, there were no funds available at the time. I have enclosed copy of my bank transactions detailing the two $37 fees after the Nationwide's checks were returned. One was on 07/22/16Service ChargeFEE-NSF PAID ACH T[redacted] PAY$-37.00$-278.14 the second one was on07/25/16Service ChargeFEE-NSF PAID ACH [redacted] STRSCHG PYMT$-37.00$1,435.82for a check paid out on 07/22/2016.
Regards,
[redacted]
I am writing in response to Mr. [redacted]'s camplaint regarding his recent experience with an automobile applicationwith Nationwide Bank.The loan application was originally submitted online on March 30. On March 31, Nationwide Bank requested viaernail to Mr, [redacted], a copy of tha title to confirm the...
VIN and seller name. In the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr. [redacted] contacted Nationwide Bank to check on the status of his loan. He was advised that ourunderwriting team was still waitlng for the title information. Mr. [redacted] contends that he did not receive the March31 email requesting the information.Mr. [redacted] was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax number. Mr. [redacted] took steps to confirm the fax number and found it to be incorrect. Hecalled Nationwide Bank again, and was given a similar fax number. Mr. [redacted] contacted the seller of the vehiclerequesting the documentation. He called back on April 7 to confirm that documents had been received, and wastold that they had not. Because he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax number. He was advised that the number provided was incorrect, and gave yet anotherfax number.The seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan application. An incorrectVIN had been entered during the initial application. Due to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan request.At that time, Mr. [redacted] chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhere.Sincerely,Anne C[redacted]
Yes, it's true that we received an initial payment, the day after this complaint was filed. But this response does nothing to address the poor communication/response that we received from our adjuster. Also, it was my husband, not myself that filed the claim...they never called him with a claim number as he was promised. We had to call in days later to get that information. We had no proactive communication from our adjuster. It took multiple calls/emails to get communication with her, and most of the time we had to have our Agent's office call her or her supervisor to even return a phone call.
Regards, [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 fault. On 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, 2018. This was a company decision based on data we receivefor the entire state. Whenever a rate revision is filed, some areas and/or coverages maydecrease while others may increase. The 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 Discount. This discount isfor vehicles under five years old, and is a diminishing discount. This means that thepercentage of the discount decreases every year and will then be removed completely whenthe vehicle becomes five years old. The 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[redacted]Senior AnalystEnclosure:
the dates are still not correct on the policy. The 2003 Chevy Impala change date suppose to have be November 28, 2015 not January 27, 2015. Also like I stated in my complaint as the outcome I will not be paying for coverage that my car didn't have. I rode around for 2 months without insurance and 3 weeks without a tag. I was finally able to get me tag on January 25, 2016 so that's the date the 2015 Nissan Altima is considered registered with insurance by the state of Georgia. Nationwide will not get a dollar out of me until the dates match what I just sent back as my reason for rejecting Nationwide effort thus far.
Regards, [redacted]
I did provide proof to Mr Peters concerning the overdraft and I did not receive a call requesting I do not cash the check. My husband deposited the check while I was out of town. Not I.
Regards, [redacted]
I did not walk in to [redacted] on June 30th 2015. I did not receive any email from nationwide that was dated July 1st 2015. The lien holder, [redacted] Dealer Services, for the 2014 Honda Civic LX does not have proof of insurance for June 30th 2015 to August 18th 2015 with policy number [redacted]. I never received a new business policy packet that included the declarations of an insurance policy for the 2014 Honda Civic LX. I never received an amendment policy stating that a multi-policy discount was removed from my policy. I did not authorize [redacted] or Nationwide insurance company to draft funds from my bank account. I did not received a letter stating that I signed up for recurring electronic fund transfer from my bank account or when my first payment was going to be drafted. I did not understand the service representatives that I spoke to on August 29th 2015 and September 5th 2015 and were unable to resolve my issue. I did not receive any email from a customer service representative to my email.
The reason for rejecting the response is I have to send in the paperwork I have since they do not have " documentation they state they have" this is a bad faith claim in which I was hope to not have to run a year process of court in the case of neglect to concur with the contract I paid in full the only changes I made was removal of a driver that was put on my policy without MY consent. The employee Tonya will not speak with me about blatant lie. This is a true example of bullying and timestamping alteration, so I am assuming I need to involve attorneys and media, I refuse to accept less than I deserve from this "multi billion dollar industry per Jason G[redacted] quote to me, this vehicl was my sentimental compensation for giving a child to a couple to adopt in 1994 as I was 16 yrs old , and they are strong arming me out of everything. I have been neglected in so many ways where is my car who has it where is my stuff what do they cover..I am sending written letter with my reciept of payment to usual amount I paid for 4 years and money order copy. I just called for documents to email Revdex.com they have none. How is this justice. I would not be so adimant if I was not deserving of what rightfully I was paying for. If this isn't a reason like I said I will have my own documents sent since theirs has disappeared, I assume they want me to go ahead with legal action and media per investigation is that what this has came to? For a company so confident this is a true example of breach of contract. Please just tell me to get it in the system instead of having a little benefit of the doubt that they would settle out of court. Obviously what I see is they are a growing business from doing things to unjustly to people.
Regards [redacted]
I never recieved any bills from nationwide on a balance due until they saw it fit to give the bill over to a collections agency.
Regards,[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.
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June 2017 that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/2017
Regards, [redacted]
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVED. THIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY 3 WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WAS. I HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTS. I WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLY. AT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted],. I have submitted documents required to contest VPI denial decision for my cat, [redacted]. This week, I reviewed the case with a VPI agent and one of their underwriters. It was pointed out to me that while my cat, [redacted] did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion. She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred. My vet's office is deeply involved in this case and has spoken in my defense with VPI. They will support my Review of Claim submission with appropriate documentation. I hope for a fair resolution of [redacted]'s claim.Yes, ? did choose remove my other cat [redacted] from VPI insurance. Like [redacted], she's also been covered by VPI since 2007 under a "Superior" plan. At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week. She required surgery and supportive care. Her bill was approximately $5,000 but VPI paid less than 44% on the claims submitted. I've paid more than double in plan payments than the amount reimbursed. In my world, that's a terrible return on investment. Having [redacted]'s claim completely denied was the final straw, so I moved [redacted] to another company's plan.In closing, I hope that we can reach a resolution in [redacted]'s case. No client wants to battle a company in order to receive fair treatment. It's stressful and frustrating. It's also bad business for VPI/Nationwide. Today, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experience. It's much better for all parties involved to resolve issues quickly and easily. I appreciate VPI's willingness to review [redacted]'s claim and the Revdex.com for mediating.
Regards, [redacted]
Dear: [redacted] On May 13,2015 claimant [redacted] went to [redacted] for an estimate. [redacted] stated to the shop that the L quarter panel and rear bumper cover damage was part of the claim and wanted the shop to include this on the estimate. ...
However, on May 8, 2015 when investigating claim associate contacted our policyholder about the details of the accident, policyholder explained that [redacted] told them at the time of the accident that the quarter panel and rear bumper was damaged a week before and not part of this claim. Because of this, the inside desk reviewer requested a field inspection of [redacted] vehicle to determine if the L quarter panel and rear bumper was part of this claim. Field associate [redacted] contacted [redacted] and inspected his vehicle at his residence. Upon inspection, [redacted] determined that the quarter panel and rear bumper as not related. [redacted] explained this to [redacted]. [redacted] pointed out that there was white paint transfer on the door that our policyholder backed into. Our policyholder has a white vehicle. The ding in the quarter panel is round and about dime shape. Looked as if a stone flew back and caused the damage but it was not from being struck by our policyholder. The rear bumper is pulled outward and backward away from the vehicle and would not be consistent with someone backing into the vehicle of [redacted]. [redacted] vehicle was parked and unoccupied at the time of the accident. There is no scraping down the side of [redacted] vehicle only the on impact on the L front door. [redacted] called [redacted] a few days later and [redacted] explained again why Nationwide could not pay for the damage to the L quarter panel and rear bumper. Then later the repair shop called [redacted] and wanted to know if Nationwide was paying for the questionable damage and [redacted] explained to the shop why he was not paying for the damage. [redacted] stated that he only rec'd the one call from [redacted] and one from the body shop and he returned all of them. He does not remember [redacted] calling him and he didn't return the call. After reviewing the file, I am in agreement with [redacted] on the damages to the L quarter panel and rear bumper not being related to a single impact caused by our policyholder backing up and hitting a park vehicle in the L front door. Sincerely,
[redacted]Nationwide ###-###-####
There seems to be a miscommunication from the correspondence between [redacted] and myself. The correspondence ended with an email reply to them and I have heard nothing further back. I did not give [redacted] any specific dates of the calls due to the significant amount of time that has passed since both calls where made. [redacted] did understand this because in his message to me, he said and I quote "can you clarify, if possible, who you spoke to or how you received the information about the 3-year freeze on cost increases?" I did explain to [redacted] my position in trying to back track that far back and pin point two calls. With that said, there is no documentation to support my statement of course due to the fact that these where both verbal communications to confirm or finalize my choices on a insurance provider, and to speak about a problem that I would consider typical which is processing a payment. Had I been late with a payment or something else that might have made my account stand out, then it would be much easier to pin point the time frame of the calls. In any case, this does not make this claim any less valid due to the fact that I opened this claim based on this information which was initially provided in the first place. My goal of this correspondence is to move forward and find a resolution, not dwell on what went wrong and how it went wrong because it obviously will not benefit the customer (myself) in any way. I would like to ask, can the monthly administration fee be remove? I have already looked into my contract to cover details on the rate increase so I will accept that since my rate was increased after a year of being enrolled. If the admin fee can at least be removed, that will satisfy myself as a customer. Please advise if this is possible. I am requesting the information here for the purpose of record keeping because calling in requesting information is how we ended up here in the first place. Thank you for your time.
The PDF form of Titan's does NOT show my signature. I want to see MY ORIGINALLY SIGNED DOCUMENT, and I will know if it is my signature. Anyone can leave the signature blank and fill out/type out the info, but WHERE'S MY SIGNATURE? Besides, none of this was said to me...MY DOWN PAYMENT WAS TO START MY VEHICLE INSURANCE. If I was told any of this about yearly purchase of insurance, early cancellation crap, etc., etc., I NEVER, IN MY LIFE, WOULD EVER HAVE PURCHASED SUCH TRASH. Cannot believe this is being done. What corruption! The media really does need to get involved in this doings, and get the word out to people re this disgusting stuff they are doing. It was my belief that I was buying regular/normal vehicle insurance for my car AND NEVER IN MY LIFE HAVE I EVER RAN ACROSS CAR INSURANCE WHERE YOU HAD TO SIGN UP FOR A YEAR. WHAT CRAP! PEOPLE SELL THEIR CARS SOMETIMES, WHAT KIND OF PRACTICE IS THIS. Once again, I NEVER WAS TOLD ANYTHING RE YEARLY PURCHASE FOR VEHICLE INSURANCE. I would have gotten right up and walked out that door. My old Farmer's Insurance told me I'd be sorry when I told them I insured with Titan. But, I never signed documents WITH MY SIGNATURE ON IT, to receive insurance in this manner. If this is NOT SETTLED, I am contacting every news media I can think of so they can get the word out to the people. I thought Nationwide was probably a great company, boy that's a joke. BUT ALL THE PEOPLE NEED TO KNOW ABOUT THIS. I've worked for lots of insurance companies, [redacted], with [redacted] (AUTO SECTION), and a couple more and never anything like this. They had normal policies. THIS IS INSANE! ALL THE PEOPLE NEED TO BE AWARE OF THIS COMPANY ONCE AND FOR ALL. Regards, [redacted]
This letter is in response to the complaint filed by Mr. [redacted] over the collection balance and the Vanishing Deductible feature on the policy. On December 21, 2016 Mr. [redacted] called to replace a 1997 [redacted] pickup truck with a 2016 [redacted] Soul effective December 20, 2016. At...
the time the vehicle was added a billing statement for January was already sent. Nationwide does not increase installments after billing statements are sent so the 2016 [redacted] Soul was not included in the billing amount until the February billing statement was issued. On December 22, 2016 Mr. [redacted] called in to inquire on Vanishing Deductible. In the call he stated he just spoke with an Agent through Nationwide Sales and he was advised he did not have Vanishing Deductible. Servicing advised him he did not but asked if he was interested in getting the Vanishing Deductible added. Mr. [redacted] wanted Servicing to quote adding the Vanishing Deductible. Mr. [redacted] had stated he wanted to make it available when he replaced the vehicle on his policy as he thought he had the coverage then. Once Servicing quoted the amount and gave it to Mr. [redacted] he was upset that he was expected to pay for the backdating. Servicing explained we would not be able to add the coverage without charging premium. Mr. [redacted] did not want to pay the premium; the Vanishing Deductible feature was not added to the policy. On January 4, 2017 Mr. [redacted] called in to inquire on Vanishing Deductible. He wanted to verify that the Vanishing Deductible feature credit amount was set to $400.00. Servicing reviewed his policy and stated they did not see that he had the feature at all. Mr. [redacted] explained he thought he has had the feature since the policy has been written and asked her to review the call to get the Vanishing Deductible feature added. Servicing agreed to send for a call pull to review and see if the coverage could be added back to the start of the policy. Servicing then advised Mr. [redacted] in order to backdate the addition of the Vanishing Deductible feature back to 2014 we would have to charge him the premium for that coverage back to November 4, 2014. Mr. [redacted] stated in the call that he didn’t want to pay for the prior four years and would like to have the coverage added effective December 22, 2016 when he replaced his vehicle. Servicing added the coverage and advised Mr. [redacted] his deductible credit would be set at $100.00 and would reduce annually until it reached $500.00 and that the deductible credit could not be set at $400.00 at the time of adding the feature. Mr. [redacted] agreed to the change which resulted in an increase of $22.00 and added the Vanishing Deductible effective December 22, 2016. On January 11, 2017 a Declaration page was sent to Mr. [redacted] indicating that the Vanishing Deductible had been added. On the Declaration page it indicates that Vanishing Deductible feature credit amount was set to $100.00. In addition to the Declaration page a billing statement was sent indicating an amount due of $101.46 was due for the Auto policy by February 4, 2017. This was the first billing cycle in which Nationwide had billed out for the 2016 [redacted] that was added December 22, 2016. Nationwide does not increase bills due to a change and at the time the 2016 [redacted] was added a bill for January had already been sent. On February 8, 2017 Mr. [redacted] called in and request canceled his Auto policy effective February 10, 2017. A confirmation e-mail was sent to Mr. [redacted] indicating the Auto policy was canceled effective February 10, 2017. The collection amount is premium due for the 2016 [redacted] Soul which had not yet been collected due to Nationwide not having time to bill out for the added vehicle until January. If Mr. [redacted] can provide proof of coverage before the February 10, 2017 cancel date on the policy, the date can be adjusted to reflect the correct cancel date. In summary, the amount of $89.39 is valid based on the premium due for the vehicle that had not yet been collected and the Vanishing Deductible feature that the Mr. [redacted] agreed to add. If you require further assistance, please contact, [redacted], at ###-###-#### or by email at [redacted]. Sincerely, [redacted] Sr. Analyst
We are in receipt of your correspondence dated March 7, 2017 addressed to [redacted], regarding [redacted]’s concern of the SmartRide program. I will be happy to respond to the concerns of Mr. [redacted] on her behalf.When a vehicle is enrolled into the SmartRide program a 10% participation...
discount is applied to the vehicle while the customer has the device plugged in and is transmitting data. The SmartRide program requires the device to be installed in the vehicle at least 85 days and 50 days prior to the policy renewal date for the vehicle to receive the verified discount on the renewal term. When a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.On December 15, 2016, Jonathan [redacted] contacted Nationwide to replace a 2013 Chevrolet Equinox with a 2017 Chevrolet Silverado. The 2013 Chevrolet Equinox was receiving a 10% SmartRide Discount for participating in the SmartRide program while the device was installed in the vehicle and transmitting data. The 2013 Chevrolet Equinox was trending to receive a 40% verified SmartRide Discount, which would have been applied on the April 1, 2017 renewal term if the vehicle would not have been replaced with a 2017 Chevrolet Silverado.On December 16, 2016, Jonathan [redacted] contacted Nationwide concerning the SmartRide program for the 2017 Chevrolet Silverado. Mr. [redacted] was correctly advised when a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.Nationwide is not able to accommodate [redacted]’s expected resolution to apply a 40% verified SmartRide Discount to the 2017 Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide program. If the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, 2017 renewal term as determined by the data collection period.If you require further assistance, please contact our Customer Relations Coordinator, Janice K[redacted], at ###-###-#### or by email at [redacted].Sincerely,Jake M[redacted]
Dear: Ms. [redacted] "Thank you for the opportunity to respond to this complaint. We received notice of a Medical Payments claim by Ms. [redacted] on September 9, 2016. After a review of the claim, the Nationwide Claims Associate issued payment to Ms. [redacted] on October 6,...
2016 for the coverage limit of $2,000.00. On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding [redacted] lien against any Medical Payments coverage available to Ms. [redacted] for the loss. The Nationwide Claims Associate also contacted Ms. [redacted] and asked if she had cashed the $2,000.00 check yet. Ms. [redacted] said she had not. The Nationwide Claims Associate was not aware, at that time, that Ms. [redacted] had actually cashed the check a few days prior. The "stop payment" of the $2,000.00 check caused Ms. [redacted]' account to be overdrawn. Nationwide found out about the overdrawn account on Oct 17, 2016. Thereafter, Nationwide Claims Manager Bill P[redacted] reviewed the file and determined that there was no outstanding [redacted] lien on the Medical Payments coverage available to Ms. [redacted] for the loss. Based on this determination, Nationwide tried to deposit the $2000 payment directly into Ms. [redacted]' account on October 17, 2016, but Ms. [redacted] instead requested that Nationwide overnight a check to her. Nationwide overnighted a $2,000.00 check to Ms. [redacted] on October 18, 2016. The check was delivered to Ms [redacted] at approximately 11:30 am on October 19, 2016. Ms. [redacted] claims to have incurred a $75.00 overdraft charge. Nationwide is willing to reimburse Ms. [redacted] the $75.00 charge upon proof of loss being submitted by Ms. [redacted]. Nationwide has requested the proof of loss on October 18th , 20th and 27th. As of the writing of this letter Nationwide has not received any proof that this $75.00 charge exsists. Nationwide maintains the position that it will be happy to reimburse Ms. [redacted] once she submits proof of the $75.00 loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S[redacted] , at ###-###-#### or by email at [redacted] Sincerely, William J P[redacted] [redacted]
[redacted]
I am writing in response to the complaint referenced above, for [redacted], regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr. [redacted]s account, I find that we have received all the documentation required of Mr. [redacted] inorder to maintain his approved interest rate. I sincerely...
apologize for any frustration or concern our letter mayhave caused Mr. [redacted]. To verify, the loan number referenced in Mr. [redacted]s complaint was opened with Nationwide Bank onNovember 28, 2016 for a term of sixty months with an APR of 10.98%. That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: [redacted]In reference to the comments [redacted] has stated to the Revdex.com, I refute the information in which she states, they reached out to me immediately when they discovered the problem. I am who immediately after going through a major embarrassment trying to use my debit card attached to the account in which Nationwide's checks were returned, called Nationwide and demanded rectification of the bad checks. I have received the replacement check funds and the returned check fees, however, there are two $37 each fees caused by my bank paying out on pre-authorized payments. But because of Nationwide's check error, there were no funds available at the time. I have enclosed copy of my bank transactions detailing the two $37 fees after the Nationwide's checks were returned. One was on 07/22/16Service ChargeFEE-NSF PAID ACH T[redacted] PAY$-37.00$-278.14 the second one was on07/25/16Service ChargeFEE-NSF PAID ACH [redacted] STRSCHG PYMT$-37.00$1,435.82for a check paid out on 07/22/2016.
Regards,
[redacted]
I am writing in response to Mr. [redacted]'s camplaint regarding his recent experience with an automobile applicationwith Nationwide Bank.The loan application was originally submitted online on March 30. On March 31, Nationwide Bank requested viaernail to Mr, [redacted], a copy of tha title to confirm the...
VIN and seller name. In the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr. [redacted] contacted Nationwide Bank to check on the status of his loan. He was advised that ourunderwriting team was still waitlng for the title information. Mr. [redacted] contends that he did not receive the March31 email requesting the information.Mr. [redacted] was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax number. Mr. [redacted] took steps to confirm the fax number and found it to be incorrect. Hecalled Nationwide Bank again, and was given a similar fax number. Mr. [redacted] contacted the seller of the vehiclerequesting the documentation. He called back on April 7 to confirm that documents had been received, and wastold that they had not. Because he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax number. He was advised that the number provided was incorrect, and gave yet anotherfax number.The seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan application. An incorrectVIN had been entered during the initial application. Due to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan request.At that time, Mr. [redacted] chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhere.Sincerely,Anne C[redacted]
Yes, it's true that we received an initial payment, the day after this complaint was filed. But this response does nothing to address the poor communication/response that we received from our adjuster. Also, it was my husband, not myself that filed the claim...they never called him with a claim number as he was promised. We had to call in days later to get that information. We had no proactive communication from our adjuster. It took multiple calls/emails to get communication with her, and most of the time we had to have our Agent's office call her or her supervisor to even return a phone call.
Regards, [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 fault. On 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, 2018. This was a company decision based on data we receivefor the entire state. Whenever a rate revision is filed, some areas and/or coverages maydecrease while others may increase. The 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 Discount. This discount isfor vehicles under five years old, and is a diminishing discount. This means that thepercentage of the discount decreases every year and will then be removed completely whenthe vehicle becomes five years old. The 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[redacted]Senior AnalystEnclosure:
the dates are still not correct on the policy. The 2003 Chevy Impala change date suppose to have be November 28, 2015 not January 27, 2015. Also like I stated in my complaint as the outcome I will not be paying for coverage that my car didn't have. I rode around for 2 months without insurance and 3 weeks without a tag. I was finally able to get me tag on January 25, 2016 so that's the date the 2015 Nissan Altima is considered registered with insurance by the state of Georgia. Nationwide will not get a dollar out of me until the dates match what I just sent back as my reason for rejecting Nationwide effort thus far.
Regards, [redacted]
I did provide proof to Mr Peters concerning the overdraft and I did not receive a call requesting I do not cash the check. My husband deposited the check while I was out of town. Not I.
Regards, [redacted]
I did not walk in to [redacted] on June 30th 2015. I did not receive any email from nationwide that was dated July 1st 2015. The lien holder, [redacted] Dealer Services, for the 2014 Honda Civic LX does not have proof of insurance for June 30th 2015 to August 18th 2015 with policy number [redacted]. I never received a new business policy packet that included the declarations of an insurance policy for the 2014 Honda Civic LX. I never received an amendment policy stating that a multi-policy discount was removed from my policy. I did not authorize [redacted] or Nationwide insurance company to draft funds from my bank account. I did not received a letter stating that I signed up for recurring electronic fund transfer from my bank account or when my first payment was going to be drafted. I did not understand the service representatives that I spoke to on August 29th 2015 and September 5th 2015 and were unable to resolve my issue. I did not receive any email from a customer service representative to my email.
The reason for rejecting the response is I have to send in the paperwork I have since they do not have " documentation they state they have" this is a bad faith claim in which I was hope to not have to run a year process of court in the case of neglect to concur with the contract I paid in full the only changes I made was removal of a driver that was put on my policy without MY consent. The employee Tonya will not speak with me about blatant lie. This is a true example of bullying and timestamping alteration, so I am assuming I need to involve attorneys and media, I refuse to accept less than I deserve from this "multi billion dollar industry per Jason G[redacted] quote to me, this vehicl was my sentimental compensation for giving a child to a couple to adopt in 1994 as I was 16 yrs old , and they are strong arming me out of everything. I have been neglected in so many ways where is my car who has it where is my stuff what do they cover..I am sending written letter with my reciept of payment to usual amount I paid for 4 years and money order copy. I just called for documents to email Revdex.com they have none. How is this justice. I would not be so adimant if I was not deserving of what rightfully I was paying for. If this isn't a reason like I said I will have my own documents sent since theirs has disappeared, I assume they want me to go ahead with legal action and media per investigation is that what this has came to? For a company so confident this is a true example of breach of contract. Please just tell me to get it in the system instead of having a little benefit of the doubt that they would settle out of court. Obviously what I see is they are a growing business from doing things to unjustly to people.
Regards [redacted]