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]
Dear Mr. [redacted]I am writing in response to your concerns surrounding your direct checking account with Nationwide Bank.First, please allow me to apologize for the unsatisfactory experience you have had with your new account.Nationwide Bank has proactively chosen to monitor account activity. Your...
account was opened on August 18,2015 and the check that was submitted far deposit was processed on Augus124,2015. Because your accountwas under 30 days old it was considered a new account. For this reason, new accounts are subject to closerscrutiny. I thank you for providing the requested documentation to our Customer Resolution team as well as ourLoss Control team. Upon review, that did allow us to remove the restriction on your account.Again, I apologize for any inconvenience or frustration this caused for you. Please feel free to reach out to me ifthere is anything further I may do for you.Sara H[redacted]Nationwide Bank###-###-####
This letter is in response to your request for information pertaining to the above file.
As stated in my previous response the policy coverage dates were from April 4, 2015 to April 28, 2015. The policy was cancelled per the request of Ms. [redacted]. The Auto policy is not a month to month coverage. We allow the member to make a monthly payment but that doesn’t mean the coverage is month to month.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. [redacted] or my email address is [redacted].
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[redacted] Dear [redacted]: This is in response to the inquiry received for the above policyholder and his automobile policy. In [redacted] inquiry, he stated three concerns regarding his prior automobile policy with our Company: he was required to insure his spouse, his policy was cancelled without a reason of explanation and he received a bill for $400 three months after the policy cancelled. Below I will address each concern. [redacted] has not disclosed to our Company that he is married and he was rated as single on his automobile policy. Through claims frequency, it was discovered that [redacted] has access and/or possession of [redacted]’ 2003 [redacted]. Since [redacted] is frequently driving or in possession of the vehicle, our Company guideline is to rate her as a driver on the policy. In the event that [redacted] is his spouse, our guidelines also require all spouses to be rated on the automobile policy. [redacted] states he did not receive a reason of explanation on why his policy was being cancelled. On April 5, 2016, a Notice of Non-Renewal was mailed to [redacted] stating his policy was being cancelled due to February 22, 2015 and July 28, 2013 claims. [redacted] automobile policy is a semi-annual policy. The policy billed on an installment account together with a property policy with payments due on the 10th of each month. The premium for [redacted]’ automobile policy was $1839.40 from November 10, 2015 to May 10, 2016. Additional, $60.00 in late fees and $25.00 in installment fees were charged to the account for the most recent policy term totaling a charge of $1924.40 for the entire November 10, 2015 to May 10, 2016 term. Nationwide received total payments in the amount of $1639.73. Of the payments received $19.90 was applied to the propery policy and $1,619.83 applied to the automobile policy leaving a balance due of $304.57 on the automobile policy. A complete history of the premium charged and payments received has been enclosed. A final bill was mailed to [redacted] on April 5, 2016 stating the $304.57 was due by May 10, 2016. When the payment was not received a second notice was mailed to [redacted] on May 11, 2016, stating the $304.57 was still due for insurance coverage provided up to May 10, 2016. The notice states the payment was due by June 9, 2016 and if not received, a collection agency may contact him. Thank you for the opportunity to review our business handling of the insured’s personal property policy. If you require further assistance, please contact our Customer Relations Coordinator, Kirsandra C[redacted], at ###-###-#### or by email at [redacted]
Sincerely, Bridget M. D[redacted]Compliance Specialist###-###-#### Ext. [redacted]
Enclosures:Notice of Non-RenewalFinal BillPayment Notice
This letter is in response to the additional information sent in by Mr. [redacted] to adjust the cancellation date on the Auto policy. The Auto policy originally cancelled per Mr. [redacted]’s request effective February 10, 2017 and there was a remaining balance of $89.39 for unpaid coverage provided up to the cancellation date. Mr. [redacted] provided proof of insurance with [redacted] effective February 4, 2017. The cancellation date on the Auto policy has been adjusted to February 4, 2017. This has adjusted the balance due for coverage provided up to the cancellation date to $72.39. If you require further assistance, please contact [redacted] at ###-###-#### or by email at [redacted]. Sincerely, [redacted] Sr. Analyst
Thank you for the opportunity to review and respond to Ms. [redacted]’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, 2014.The basis of her complaint is the increased premium on the policy since released by the agency. The policy when bound had a...
coverage amount of $168,927 with a premium of $2759.32. Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repair. The reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyed. This is done through taking measurements of the residence and making observations of the construction features of the home. Once obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,279. The review was completed on November 19, 2014 which was within the first 60 days of the policy contract. The first 60 days of a policy has a provision called the discovery period. The discovery period is used to complete the underwriting process. The insured was notified of the coverage discrepancy on December 19, 2014. The letter mailed to the insured advised that the coverage would be increased from $168,927 to $272,279 effective October 23, 2014, the inception date of the policy. I can see no response from the insured until early July 2015. Since that time, there have been multiple changes to the reconstruction cost. I have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suite. The reconstruction estimate has been corrected, coverage lowered and premium amended. Each time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014. On July 28, 2015 the policy deductible was changed from $2500 to $5000. The change in deductible will reduce the premium amount for the coverage amount. This change was effective July 28, 2015. The first 277 days of the contract had a $2500 deductible which would mean the premium was higher than the $2982.46 which the insured is making her calculations in the complaint from. From July 28, 2015 through the present date, the premium is based upon a $5000 deductible which is where the difference in the refunds to the premium appears to be.We hope the response is beneficial in explaining the insured’s concerns. If anything additional is needed, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Sincerely,Thomas P[redacted]
I have reviewed the follow-up inquiry received from [redacted] regarding his homeowners policyinsured with Depositors lnsurance Company. He is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr. [redacted] policy.December 30, 2015 New business effective date of the policy with our company and coverage bound by the agent.January 6, 2016 Billing statement generated to the insuredJanuary 11, 2016 Protection class of the policy was updated effective December 30, 2015 in order to properly rate the policy for the distance to the fire hydrant. This was done within the "discovery/underwriting period" of the policy.January 20,2016 Exterior inspection was done by the Company vendor. This was the only inspection by the Company. Inspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, 2016 Due date of premium billed on January 6, 2016 $120.75January 31, 2016 Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the home. This was done effective December 30, 2015 and processed within the "discovery/underwriting period" of the policy.February 4, 2016 Payment of $120.75 (due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, 2016 Next bill generated for $177.23 (reflected premium change due to the protection class and dwelling amount change). March 1, 2016 Due date of premium $177.23. The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr. [redacted]'s policy were within this discovery/underwriting period. Per theemail provided by the insured in his inquiry, the agency advised Mr. [redacted] that any premiumbalance due or refund would be updated based on the March 1, 2016 cancellation date. Premiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS[redacted] at ###-###-#### or by email at [redacted]Sincerely,Gale G[redacted]
This letter acknowledges receipt of your correspondence dated January 5, 2016, and we provide the following:We investigated the concerns raised by our insured. We found their coverage issue valid; the company issued a correcting endorsement with our payment to resolve their concern.While our records...
do not reflect the sentiment of our insured as it relates to unanswered telephone calls, we are sorry our customer service did not meet expectations. We continually remind/train our staff of the importance in returning telephone calls in a timely and courteous manner.Should you require any further assistance in this matter, please contact [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Thank you,Jennifer V[redacted]
The first thing I asked the sales person was for insurance for my car that is a classic , and a bike where more than blue book and renters because I needed to find out up front as I wasted to much time calling different agents and not getting this up front, I made it clear I wanted all 3 and form the same place.I was miss led by your salesman, the auto policy did not work then she sold bike and renters.I'm not in insurance and I'm not familiar with your shady tactics, what I know is not only did you rip me off now you want me to jump through hoops because you deceived me?I called first thing the next morning and told the lady this needed to be undone and gave her all the info, then I emailed the sales man and told her it needed undone.Now you drag this out and are offering to pro rate my refund just so you can rip me off for more moneys.Regards,
[redacted]
This letter is in response to the concerns filed by [redacted] regarding the collection amount owed on his Nationwide Auto policy after cancellation.On October 8, 2015, the previous Nationwide Auto policy [redacted] was cancelled as a transfer, and was replaced by the Auto policy [redacted]....
This occurred because the former policy was written under Nationwide Mutual Insurance Company, which was discontinued in the state of Illinois. All policies written under Nationwide Mutual were being transferred over at their renewal to Nationwide Insurance Company of America. On September 30, 2015, the new policy renewal declaration was mailed to Mr. [redacted], informing of the change in his premium at the October 8, 2015 renewal (attached). On October 21, 2015, Mr. [redacted] contacted the Service Center to request cancellation of the policy. A cancellation request form was mailed per Mr. [redacted]’s request.On November 6, 2015, as neither a payment or the cancellation request form was received from Mr. [redacted], a Notice of Cancellation was mailed (attached). This notice stated that payment must be received by November 18, 2015 to maintain the policy. On November 19, 2015, the policy was cancelled for non payment. On November 24, 2015, a final bill was issued in the amount of $107.30, which was due by December 13, 2015 (attached). As that final bill went unpaid, on January 12, 2016, that amount was sent to the collections company CCS.On February 5, 2016, Nationwide received proof of other coverage for Mr. [redacted] which began on October 22, 2015 (attached). The cancellation date was adjusted to October 22, 2015, resulting in a credit of $73.40 to be applied to the remaining balance. There is still a remaining balance of $33.90 for the coverage between October 8, 2015 and the cancellation date of October 22, 2015. As coverage was provided by Nationwide for this period, the premium for that time is still due.If anything additional is needed, please contact Sharon W[redacted] at [redacted]@nationwide.com or via phone at ###-###-####.Sincerely,
I received a Authorization of release of information from your office. I filled out said complaint and signed said document and mailed it to your offices which I believe it must have got misplaced or not delivered because of the holiday season. When I applied for said insurance. I was and my wife were very firm that she was not to be put on said insurance policy. I am the sole owner of said vehicles and she doesn’t have a valid license to drive and I do. I returned the forms that were mailed to me on several occasions from the insurance company and mailed the back signed and dated. I also called the said company on several occasions and was told the insurance would be cancelled because of my wife not being a valid never. The insurance was supposed to be solely on me and no-one else and this was stated on several occasions. I feel I was mislead in the matter and it is very unethical to treat anyone this way. This letter also gives you permission to authorization to contact anyone you wish about this matter and also for them to release information to you.
As I've stated in my previous rejections the total premium (paid in full) for Oct 23, 2014 thru Oct 23, 2015 was $2759.32. Due to nationwide error (square footage increase that we didn't have) the policy increased to $4264.89. When the square footage was FINALLY corrected (because I was so persistent) the premium was brought down to $2982.46. The difference from the contract date to the 2015 renewal date was $223.14 not $1505.57. The $2759.32 was not a partial payment. It was the premium paid in full for the year UNLESS there was a REASON for increase. I didn't make any changes/additions to my home to increase the premium from $2759.32. Refer to the declaration I sent from Nationwide dated Aug 25,2015 showing the premium of $2982.46 for the dates of Oct 23,2014 thru Oct 23, 2015 so where did the $3524.11 come from? I have never received that declaration for $3524.11. I did receive the declaration dated Sept. 23, 2015 for the renewal premium of $3134.21. Why is the premium for the 2015/2016 year less than the $3524.11 premium for 2014/2015 year? I'm sorry but none of your responses are acceptable. There should not have been an increase. The increase for the additional $1505.57 was unfounded hence the premium being brought back down to $2982.46 for the 2014/2015 year. My agent [redacted] assured me that the premium that I paid in full for the year was not a partial payment and he could not find a reason why it increased $1505.57. Last, (document sent from [redacted]) if Nationwide already received $4264.89 for the 2014/2015 year why did Nationwide bill [redacted] again on July 20, 2015 for an additional $3774.04 asking for a partial payment of $1321.37 for policy period Nov 10, 2014 thru Nov 10, 2015? That's a total of $8038.93 for one year of insurance for my modest 1989 house that we purchased as a "project" for $147,000. How can you expect me to accept your answers when it would have continued if [redacted] didn't refuse to pay the $1321.37 when nationwide billed 18 days after receiving $1505.57? I don't trust your answers or Nationwide. I still believe Nationwide owes me money. After the mistake was corrected I only owed $223.14 which I would have gladly paid. So Nationwide can't justify keeping $764.81 when at the same time you admit to the error by bringing the premium back down to $2982.46. Then billing for the 2015/2016 year for $3134.21.
Regards, [redacted]
Please accept this as a formal notification that Nationwide made contact with me to settle the dispute. I am very satisfied with the outcome, as it was acknowledge, there was an error in their part and they honored to reinstate the policy to avoid a lapse of coverage. [redacted]
Thank you for your recent inquiry regarding a complaint you received from [redacted]. I have reviewed this claim file and would like to address Ms. [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me...
know. Our insured, EJP Enterprises Inc, has a commercial auto policy. The name of the location for the business is [redacted] [redacted] on this policy. A claim was filed with Nationwide Insurance on October 4, 2016 for an engine fire loss due to work done by [redacted] [redacted] on a 2002 Ford Taurus owned by Mark [redacted]. A fire expert was hired and the fire was confirmed to have originated in the area of the valve cover on the engine, recently replaced by [redacted] [redacted], verifying liability owed at 100% for this loss. November 10 Lori G[redacted], Total loss representative, was assigned to handle the settlement with Mr. [redacted]. It was found that the assignment from the local representative was routed incorrectly, which delayed contact for 7 days. Ms. G[redacted] called Mr. [redacted] and left him a voice mail to return her call. She also sent him an email. She called Mr. [redacted] again on November 11, and left him another voice mail. Mr. [redacted] responded to Ms. G[redacted] by email that he wanted $5,000 for the loss on his vehicle. November 14, Ms. G[redacted] received an email from Mr. [redacted] and was requesting a pain and suffering settlement. She replied that she would send a request to a representative in Casualty that would handle that, to get in contact with him to discuss this, as she was to handle on the total loss settlement for him on the claim. November 17 Joseph G[redacted], casualty claims manager, reviewed the pain and suffering request and noted there was no mention that the claimants had sought treatment as a result of the smoke in the vehicle. Michael B[redacted], casualty claims representative called Mr. [redacted] and left him a voice mail requesting a call back regarding the injury allegation. December 15 Ms. G[redacted] received and reviewed the engine receipt for consideration in adding to the value. This added $872.00 and loss of use was also considered for 45 days @ 25.00 per day totaling $1125.00. Ms. G[redacted] called Mr. [redacted] and left him a voice message with the revisions to the settlement and also sent him an email. Actual Cash Value = $1,812.00 Additional Consideration + $888.00 Prior Damage Assessed = $457.21 Prior Damage Applied - $125.00 Subtotal ACV = $2,575.00 Sales Tax 6.0000% + $154.50 Tag/Title Fee + $110.00 Subtotal ACV = $2,839.50 Concession + $1,125.00 Net Settlement = $3,964.50 UPD- left quarter panel damage applied $125.00 as fair and reasonable. Upon acceptance of the settlement, Ms. G[redacted] will issue payment for the total loss of the 2002 Ford Taurus to Mr. [redacted] upon receipt of the signed title from him. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S[redacted], at ###-###-#### or by email at [email protected].
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, [redacted], in regards to the complaint filed by [redacted]. Please note that Mr. [redacted] is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms. [redacted]’s complaint against Mr. [redacted].
Our office spoke to this policyholder on December 1, 2014. She informed us she was the owner of the vehicle on policy # [redacted] We wrote a spinoff policy December 2, 2014 with [redacted] as the named insured and the two drivers on the policy were [redacted] and her mother [redacted]. The Application is in DocuVault but it is unsigned. The application was sent to her by email in December of 2014 and again in May of 2014. The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed application. Ms. [redacted] has still not signed the application to correct the named insured error. Our system reflects that on December 1, 2014 the policy was bound in [redacted]’s name. I have already mentioned this to Nationwide because we have seen this error before. Nationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy). The address on both of these policies is the same. All Declaration Pages have been sent to the [redacted] address. I feel Ms. [redacted] is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place [redacted] as the named Insured on the policy.
Ms. [redacted] has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a 2004 Cadillac. She replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle. She never had rental coverage on the prior policy [redacted] and it was not put on the new spinoff policy [redacted]. There were never any notes or questions about rental coverage. Ms. [redacted] has received all Declaration Pages and no rental coverage is listed. No communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effective. Ms. [redacted] has no documentation where she requested this coverage that I am aware of.
If you have any additional questions, please contact me at ###-###-#### or [redacted].
Best Regards,
[redacted]
Centralized Sales Operation and Support
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 credit. We 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 resolved. Please feel free to let me know if there are further questions orconcerns.Sincerely,
This letter is in response to the complaint filed with your agency by [redacted]s regarding her homeowner policy. Our records indicate the policy was written with an effective date of January 27, 2016. The policy was cancelled on January 28, 2016, with an effective date of January 27, 2016, at the request of the Member.
One payment of $488.72 was received on December 23, 2015. On February 1, 2016,
Nationwide issued a refund to the address listed on the policy. The refund was mailed to [redacted] Rd., Winchester, VA 22603-4142. On March 7, 2016, the refund was stop paid and a new check in the amount of $488.72 was mailed to the Member at [redacted] Ct. Winchester, VA 22602.
If you should have any other requests or questions regarding this matter please do not hesitate to contact me.
I reviewed the response made by the business in reference to complaint ID [redacted], and am happy to report I have finally received the payment for both claims.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID 12100896, and find the resolution is UNsatisfactory to me. I will create a new case later if needed once I complete my treatment. This has because a battle of back and forth and giving me such an headache and heart ache. But, Right now to keep my mental sanity I need to understand that they are not willing to working with me and doesnt care that I am their customer as well.
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]
Dear Mr. [redacted]I am writing in response to your concerns surrounding your direct checking account with Nationwide Bank.First, please allow me to apologize for the unsatisfactory experience you have had with your new account.Nationwide Bank has proactively chosen to monitor account activity. Your...
account was opened on August 18,2015 and the check that was submitted far deposit was processed on Augus124,2015. Because your accountwas under 30 days old it was considered a new account. For this reason, new accounts are subject to closerscrutiny. I thank you for providing the requested documentation to our Customer Resolution team as well as ourLoss Control team. Upon review, that did allow us to remove the restriction on your account.Again, I apologize for any inconvenience or frustration this caused for you. Please feel free to reach out to me ifthere is anything further I may do for you.Sara H[redacted]Nationwide Bank###-###-####
This letter is in response to your request for information pertaining to the above file.
As stated in my previous response the policy coverage dates were from April 4, 2015 to April 28, 2015. The policy was cancelled per the request of Ms. [redacted]. The Auto policy is not a month to month coverage. We allow the member to make a monthly payment but that doesn’t mean the coverage is month to month.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. [redacted] or my email address is [redacted].
Sincerely,
Erica D[redacted]
Nationwide
Tell us why here...August 23, 2016
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[redacted] Dear [redacted]: This is in response to the inquiry received for the above policyholder and his automobile policy. In [redacted] inquiry, he stated three concerns regarding his prior automobile policy with our Company: he was required to insure his spouse, his policy was cancelled without a reason of explanation and he received a bill for $400 three months after the policy cancelled. Below I will address each concern. [redacted] has not disclosed to our Company that he is married and he was rated as single on his automobile policy. Through claims frequency, it was discovered that [redacted] has access and/or possession of [redacted]’ 2003 [redacted]. Since [redacted] is frequently driving or in possession of the vehicle, our Company guideline is to rate her as a driver on the policy. In the event that [redacted] is his spouse, our guidelines also require all spouses to be rated on the automobile policy. [redacted] states he did not receive a reason of explanation on why his policy was being cancelled. On April 5, 2016, a Notice of Non-Renewal was mailed to [redacted] stating his policy was being cancelled due to February 22, 2015 and July 28, 2013 claims. [redacted] automobile policy is a semi-annual policy. The policy billed on an installment account together with a property policy with payments due on the 10th of each month. The premium for [redacted]’ automobile policy was $1839.40 from November 10, 2015 to May 10, 2016. Additional, $60.00 in late fees and $25.00 in installment fees were charged to the account for the most recent policy term totaling a charge of $1924.40 for the entire November 10, 2015 to May 10, 2016 term. Nationwide received total payments in the amount of $1639.73. Of the payments received $19.90 was applied to the propery policy and $1,619.83 applied to the automobile policy leaving a balance due of $304.57 on the automobile policy. A complete history of the premium charged and payments received has been enclosed. A final bill was mailed to [redacted] on April 5, 2016 stating the $304.57 was due by May 10, 2016. When the payment was not received a second notice was mailed to [redacted] on May 11, 2016, stating the $304.57 was still due for insurance coverage provided up to May 10, 2016. The notice states the payment was due by June 9, 2016 and if not received, a collection agency may contact him. Thank you for the opportunity to review our business handling of the insured’s personal property policy. If you require further assistance, please contact our Customer Relations Coordinator, Kirsandra C[redacted], at ###-###-#### or by email at [redacted]
Sincerely, Bridget M. D[redacted]Compliance Specialist###-###-#### Ext. [redacted]
Enclosures:Notice of Non-RenewalFinal BillPayment Notice
This letter is in response to the additional information sent in by Mr. [redacted] to adjust the cancellation date on the Auto policy. The Auto policy originally cancelled per Mr. [redacted]’s request effective February 10, 2017 and there was a remaining balance of $89.39 for unpaid coverage provided up to the cancellation date. Mr. [redacted] provided proof of insurance with [redacted] effective February 4, 2017. The cancellation date on the Auto policy has been adjusted to February 4, 2017. This has adjusted the balance due for coverage provided up to the cancellation date to $72.39. If you require further assistance, please contact [redacted] at ###-###-#### or by email at [redacted]. Sincerely, [redacted] Sr. Analyst
Thank you for the opportunity to review and respond to Ms. [redacted]’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, 2014.The basis of her complaint is the increased premium on the policy since released by the agency. The policy when bound had a...
coverage amount of $168,927 with a premium of $2759.32. Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repair. The reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyed. This is done through taking measurements of the residence and making observations of the construction features of the home. Once obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,279. The review was completed on November 19, 2014 which was within the first 60 days of the policy contract. The first 60 days of a policy has a provision called the discovery period. The discovery period is used to complete the underwriting process. The insured was notified of the coverage discrepancy on December 19, 2014. The letter mailed to the insured advised that the coverage would be increased from $168,927 to $272,279 effective October 23, 2014, the inception date of the policy. I can see no response from the insured until early July 2015. Since that time, there have been multiple changes to the reconstruction cost. I have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suite. The reconstruction estimate has been corrected, coverage lowered and premium amended. Each time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014. On July 28, 2015 the policy deductible was changed from $2500 to $5000. The change in deductible will reduce the premium amount for the coverage amount. This change was effective July 28, 2015. The first 277 days of the contract had a $2500 deductible which would mean the premium was higher than the $2982.46 which the insured is making her calculations in the complaint from. From July 28, 2015 through the present date, the premium is based upon a $5000 deductible which is where the difference in the refunds to the premium appears to be.We hope the response is beneficial in explaining the insured’s concerns. If anything additional is needed, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Sincerely,Thomas P[redacted]
I have reviewed the follow-up inquiry received from [redacted] regarding his homeowners policyinsured with Depositors lnsurance Company. He is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr. [redacted] policy.December 30, 2015 New business effective date of the policy with our company and coverage bound by the agent.January 6, 2016 Billing statement generated to the insuredJanuary 11, 2016 Protection class of the policy was updated effective December 30, 2015 in order to properly rate the policy for the distance to the fire hydrant. This was done within the "discovery/underwriting period" of the policy.January 20,2016 Exterior inspection was done by the Company vendor. This was the only inspection by the Company. Inspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, 2016 Due date of premium billed on January 6, 2016 $120.75January 31, 2016 Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the home. This was done effective December 30, 2015 and processed within the "discovery/underwriting period" of the policy.February 4, 2016 Payment of $120.75 (due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, 2016 Next bill generated for $177.23 (reflected premium change due to the protection class and dwelling amount change). March 1, 2016 Due date of premium $177.23. The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr. [redacted]'s policy were within this discovery/underwriting period. Per theemail provided by the insured in his inquiry, the agency advised Mr. [redacted] that any premiumbalance due or refund would be updated based on the March 1, 2016 cancellation date. Premiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS[redacted] at ###-###-#### or by email at [redacted]Sincerely,Gale G[redacted]
This letter acknowledges receipt of your correspondence dated January 5, 2016, and we provide the following:We investigated the concerns raised by our insured. We found their coverage issue valid; the company issued a correcting endorsement with our payment to resolve their concern.While our records...
do not reflect the sentiment of our insured as it relates to unanswered telephone calls, we are sorry our customer service did not meet expectations. We continually remind/train our staff of the importance in returning telephone calls in a timely and courteous manner.Should you require any further assistance in this matter, please contact [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Thank you,Jennifer V[redacted]
The first thing I asked the sales person was for insurance for my car that is a classic , and a bike where more than blue book and renters because I needed to find out up front as I wasted to much time calling different agents and not getting this up front, I made it clear I wanted all 3 and form the same place.I was miss led by your salesman, the auto policy did not work then she sold bike and renters.I'm not in insurance and I'm not familiar with your shady tactics, what I know is not only did you rip me off now you want me to jump through hoops because you deceived me?I called first thing the next morning and told the lady this needed to be undone and gave her all the info, then I emailed the sales man and told her it needed undone.Now you drag this out and are offering to pro rate my refund just so you can rip me off for more moneys.Regards,
[redacted]
This letter is in response to the concerns filed by [redacted] regarding the collection amount owed on his Nationwide Auto policy after cancellation.On October 8, 2015, the previous Nationwide Auto policy [redacted] was cancelled as a transfer, and was replaced by the Auto policy [redacted]....
This occurred because the former policy was written under Nationwide Mutual Insurance Company, which was discontinued in the state of Illinois. All policies written under Nationwide Mutual were being transferred over at their renewal to Nationwide Insurance Company of America. On September 30, 2015, the new policy renewal declaration was mailed to Mr. [redacted], informing of the change in his premium at the October 8, 2015 renewal (attached). On October 21, 2015, Mr. [redacted] contacted the Service Center to request cancellation of the policy. A cancellation request form was mailed per Mr. [redacted]’s request.On November 6, 2015, as neither a payment or the cancellation request form was received from Mr. [redacted], a Notice of Cancellation was mailed (attached). This notice stated that payment must be received by November 18, 2015 to maintain the policy. On November 19, 2015, the policy was cancelled for non payment. On November 24, 2015, a final bill was issued in the amount of $107.30, which was due by December 13, 2015 (attached). As that final bill went unpaid, on January 12, 2016, that amount was sent to the collections company CCS.On February 5, 2016, Nationwide received proof of other coverage for Mr. [redacted] which began on October 22, 2015 (attached). The cancellation date was adjusted to October 22, 2015, resulting in a credit of $73.40 to be applied to the remaining balance. There is still a remaining balance of $33.90 for the coverage between October 8, 2015 and the cancellation date of October 22, 2015. As coverage was provided by Nationwide for this period, the premium for that time is still due.If anything additional is needed, please contact Sharon W[redacted] at [redacted]@nationwide.com or via phone at ###-###-####.Sincerely,
I received a Authorization of release of information from your office. I filled out said complaint and signed said document and mailed it to your offices which I believe it must have got misplaced or not delivered because of the holiday season. When I applied for said insurance. I was and my wife were very firm that she was not to be put on said insurance policy. I am the sole owner of said vehicles and she doesn’t have a valid license to drive and I do. I returned the forms that were mailed to me on several occasions from the insurance company and mailed the back signed and dated. I also called the said company on several occasions and was told the insurance would be cancelled because of my wife not being a valid never. The insurance was supposed to be solely on me and no-one else and this was stated on several occasions. I feel I was mislead in the matter and it is very unethical to treat anyone this way. This letter also gives you permission to authorization to contact anyone you wish about this matter and also for them to release information to you.
As I've stated in my previous rejections the total premium (paid in full) for Oct 23, 2014 thru Oct 23, 2015 was $2759.32. Due to nationwide error (square footage increase that we didn't have) the policy increased to $4264.89. When the square footage was FINALLY corrected (because I was so persistent) the premium was brought down to $2982.46. The difference from the contract date to the 2015 renewal date was $223.14 not $1505.57. The $2759.32 was not a partial payment. It was the premium paid in full for the year UNLESS there was a REASON for increase. I didn't make any changes/additions to my home to increase the premium from $2759.32. Refer to the declaration I sent from Nationwide dated Aug 25,2015 showing the premium of $2982.46 for the dates of Oct 23,2014 thru Oct 23, 2015 so where did the $3524.11 come from? I have never received that declaration for $3524.11. I did receive the declaration dated Sept. 23, 2015 for the renewal premium of $3134.21. Why is the premium for the 2015/2016 year less than the $3524.11 premium for 2014/2015 year? I'm sorry but none of your responses are acceptable. There should not have been an increase. The increase for the additional $1505.57 was unfounded hence the premium being brought back down to $2982.46 for the 2014/2015 year. My agent [redacted] assured me that the premium that I paid in full for the year was not a partial payment and he could not find a reason why it increased $1505.57. Last, (document sent from [redacted]) if Nationwide already received $4264.89 for the 2014/2015 year why did Nationwide bill [redacted] again on July 20, 2015 for an additional $3774.04 asking for a partial payment of $1321.37 for policy period Nov 10, 2014 thru Nov 10, 2015? That's a total of $8038.93 for one year of insurance for my modest 1989 house that we purchased as a "project" for $147,000. How can you expect me to accept your answers when it would have continued if [redacted] didn't refuse to pay the $1321.37 when nationwide billed 18 days after receiving $1505.57? I don't trust your answers or Nationwide. I still believe Nationwide owes me money. After the mistake was corrected I only owed $223.14 which I would have gladly paid. So Nationwide can't justify keeping $764.81 when at the same time you admit to the error by bringing the premium back down to $2982.46. Then billing for the 2015/2016 year for $3134.21.
Regards, [redacted]
Please accept this as a formal notification that Nationwide made contact with me to settle the dispute. I am very satisfied with the outcome, as it was acknowledge, there was an error in their part and they honored to reinstate the policy to avoid a lapse of coverage. [redacted]
Thank you for your recent inquiry regarding a complaint you received from [redacted]. I have reviewed this claim file and would like to address Ms. [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me...
know. Our insured, EJP Enterprises Inc, has a commercial auto policy. The name of the location for the business is [redacted] [redacted] on this policy. A claim was filed with Nationwide Insurance on October 4, 2016 for an engine fire loss due to work done by [redacted] [redacted] on a 2002 Ford Taurus owned by Mark [redacted]. A fire expert was hired and the fire was confirmed to have originated in the area of the valve cover on the engine, recently replaced by [redacted] [redacted], verifying liability owed at 100% for this loss. November 10 Lori G[redacted], Total loss representative, was assigned to handle the settlement with Mr. [redacted]. It was found that the assignment from the local representative was routed incorrectly, which delayed contact for 7 days. Ms. G[redacted] called Mr. [redacted] and left him a voice mail to return her call. She also sent him an email. She called Mr. [redacted] again on November 11, and left him another voice mail. Mr. [redacted] responded to Ms. G[redacted] by email that he wanted $5,000 for the loss on his vehicle. November 14, Ms. G[redacted] received an email from Mr. [redacted] and was requesting a pain and suffering settlement. She replied that she would send a request to a representative in Casualty that would handle that, to get in contact with him to discuss this, as she was to handle on the total loss settlement for him on the claim. November 17 Joseph G[redacted], casualty claims manager, reviewed the pain and suffering request and noted there was no mention that the claimants had sought treatment as a result of the smoke in the vehicle. Michael B[redacted], casualty claims representative called Mr. [redacted] and left him a voice mail requesting a call back regarding the injury allegation. December 15 Ms. G[redacted] received and reviewed the engine receipt for consideration in adding to the value. This added $872.00 and loss of use was also considered for 45 days @ 25.00 per day totaling $1125.00. Ms. G[redacted] called Mr. [redacted] and left him a voice message with the revisions to the settlement and also sent him an email. Actual Cash Value = $1,812.00 Additional Consideration + $888.00 Prior Damage Assessed = $457.21 Prior Damage Applied - $125.00 Subtotal ACV = $2,575.00 Sales Tax 6.0000% + $154.50 Tag/Title Fee + $110.00 Subtotal ACV = $2,839.50 Concession + $1,125.00 Net Settlement = $3,964.50 UPD- left quarter panel damage applied $125.00 as fair and reasonable. Upon acceptance of the settlement, Ms. G[redacted] will issue payment for the total loss of the 2002 Ford Taurus to Mr. [redacted] upon receipt of the signed title from him. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S[redacted], at ###-###-#### or by email at [email protected].
Dear [redacted]
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, [redacted], in regards to the complaint filed by [redacted]. Please note that Mr. [redacted] is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms. [redacted]’s complaint against Mr. [redacted].
Our office spoke to this policyholder on December 1, 2014. She informed us she was the owner of the vehicle on policy # [redacted] We wrote a spinoff policy December 2, 2014 with [redacted] as the named insured and the two drivers on the policy were [redacted] and her mother [redacted]. The Application is in DocuVault but it is unsigned. The application was sent to her by email in December of 2014 and again in May of 2014. The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed application. Ms. [redacted] has still not signed the application to correct the named insured error. Our system reflects that on December 1, 2014 the policy was bound in [redacted]’s name. I have already mentioned this to Nationwide because we have seen this error before. Nationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy). The address on both of these policies is the same. All Declaration Pages have been sent to the [redacted] address. I feel Ms. [redacted] is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place [redacted] as the named Insured on the policy.
Ms. [redacted] has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a 2004 Cadillac. She replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle. She never had rental coverage on the prior policy [redacted] and it was not put on the new spinoff policy [redacted]. There were never any notes or questions about rental coverage. Ms. [redacted] has received all Declaration Pages and no rental coverage is listed. No communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effective. Ms. [redacted] has no documentation where she requested this coverage that I am aware of.
If you have any additional questions, please contact me at ###-###-#### or [redacted].
Best Regards,
[redacted]
Centralized Sales Operation and Support
No its not resolved I didnt know you needed any more info from me
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 credit. We 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 resolved. Please feel free to let me know if there are further questions orconcerns.Sincerely,
This letter is in response to the complaint filed with your agency by [redacted]s regarding her homeowner policy. Our records indicate the policy was written with an effective date of January 27, 2016. The policy was cancelled on January 28, 2016, with an effective date of January 27, 2016, at the request of the Member.
One payment of $488.72 was received on December 23, 2015. On February 1, 2016,
Nationwide issued a refund to the address listed on the policy. The refund was mailed to [redacted] Rd., Winchester, VA 22603-4142. On March 7, 2016, the refund was stop paid and a new check in the amount of $488.72 was mailed to the Member at [redacted] Ct. Winchester, VA 22602.
If you should have any other requests or questions regarding this matter please do not hesitate to contact me.
I reviewed the response made by the business in reference to complaint ID [redacted], and am happy to report I have finally received the payment for both claims.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID 12100896, and find the resolution is UNsatisfactory to me. I will create a new case later if needed once I complete my treatment. This has because a battle of back and forth and giving me such an headache and heart ache. But, Right now to keep my mental sanity I need to understand that they are not willing to working with me and doesnt care that I am their customer as well.