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Yoly's Music Shop, LLC

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Yoly's Music Shop, LLC Reviews (328)

I never e-signed anything that would put this policy in effect the policy was set to go in effect on July 24.I notified the agent on july 8 that I was staying with [redacted]. The amount paid by Nationstar by mistake should be returned in the full amount.The person from Nationwide that myself and Nationstar rep had on three way call said the full amount would be returned without any action on my part. I did not sign anything to put the policy in effect so I am not going to sign anything.
Regards,
[redacted]

Thank you for contacting Nationwide concerning Ms. [redacted]’s auto policy coverage and recent claim. Sarah S[redacted] from our Agency Support Unit has investigated the loss and has advised Ms. [redacted] of her findings. Notes on the policy, placed there by the agent on December 14, 2015, state that she...

wanted to remove comprehensive and collision from the vehicle on that date , and that she would contact the company at her renewal on January 16, 2016 if she wanted to add the coverage back. A declarations page was also sent to Ms. [redacted] on December 16, 2015 to confirm her coverage selection. Unfortunately there is no documentation indicating that she made the request to place that coverage back on the Nissan prior to the loss on January 16, 2016. As such, all of our documentation indicates that the coverage was removed per her request, and not in error. As there is no error at this time, we are not able to recommend that the coverage be placed on the 2007 Nissan for the underlying loss. On behalf of Nationwide, I apologize if the service she received didn't meet her expectations and for any inconvenience it may have caused.

This has absolutely nothing to do with my property and I have no idea who they are speaking of. There is no "[redacted]" involved. My last name is [redacted]. They should recheck the claim number which is for property in North Wildwood, NJ ([redacted] Ave unit [redacted]). [redacted]

you have not shared any proof that [redacted] Motor Vehicles was provided that these accidents were no fault accidents .  I want something in writing showing that you sent [redacted] Motor Vehicle this information, then I need you to show me that [redacted] Motor Vehicles were in receipt of your documentation.
Regards, [redacted]

This
letter is in response to the inquiry received from your office on January 25,
The
Nationwide Affinity Member, reported a
claim for a mysterious disappearance of
their wedding ring set on November 29, The member was contacted on
November 29, and an investigation into the loss as well as the replacement
value of the wedding ring set was started
On
January 8, 2016, the investigation had been completed and the replacement cost
of the wedding ring set was supplied to Nationwide by Replacement Services, an
independent third party, who specializes in replacement jewelry for the
insurance industry as well as other clients
The
wedding ring set had been insured for $10,by the Nationwide MemberReplacement
Services had reviewed the original appraisal of the wedding ring set, and
advised Nationwide, they could replace the wedding ring set for $7,This
pricing was related to the Member, who disagreed with these findings
The
claim was escalated to a Claims Manager on January 8, The Claims Manager
spoke with the member and had the member forward several estimates they had
obtained on the replacement of the ring set, as well as requesting Replacement
Services speak with the Members jewelerThe Members, jeweler, agreed they
could replace the wedding ring set for the quote supplied by Replacement
ServicesA check was sent to the member on January 15, 2016, on the agreed
replacement cost with the Members Jeweler
On
January 19, 2016, The Director of the Property Team, spoke with the Nationwide
Member, and agreed to pay the balance of the original quote of the Member's
Jeweler, due to the fact the ring set was custom built by the jeweler for our
MemberThe Member agreed with this course of action A supplemental check was issued to the Member
on January 19, The checks issued to the Member are for the quoted
replacement price supplied by the Member's jeweler including tax, which total
$8,
We
regret the time it took to resolve our Member's claim, due to the investigation
as well as the research into the replacement of the wedding ring setThe
Member has been indemnified in whole for the replacement of their wedding ring
set, by the Jeweler of their choice as of this writing
If you
require further assistance in this matter, please contact our [redacted], Gerrie H[redacted], toll-free at ###-###-####, Ext[redacted] or by email at [redacted]
Sincerely,
Brian
R[redacted]
[redacted]

it was okay when you changed the premium due to the error once again that you made but it can't go back to the amount that was owed before you guys "discovered" the error.
Regards, [redacted]

This is simple case.On 11-15-17 at 7:20pm a [redacted]Tractor Trailer with TN license plate [redacted] struck my Hundai ‘09’ Accent damaging it. Both the data report and police report demonstrate this. It is not a "he said she said" this is a Massachusetts State Trooper [redacted] said and in the enclosed police  report he states" the Tractor Trailer truck while traveling in the right travel lane attempted to change lanes striking passanger side of the vehicle while the Hyundai Accent was operating in the left travel lane". He also states Besides damage to my car  that "there was black paint transfer on the driver's side bumper of the Tractor Trailer truck".State Trooper also indicates that driver of Tractor Trailer was "INATTENTIVE" in the report.There is nothing subjective or confusing about this report and claiming ignorance does not make event disappear. What it does  demonstrate is an Insurance company attempting to disregard its responsibilities.

In response to your June 9, 2017 inquiry on behalf of [redacted] at [redacted], please allow this letter to serve as our response. Our insured, [redacted] was issued a Commercial Automobile Policy under policy number LTO0028991. This policy provides...

Motor Truck Physical Damage Coverage for those events where there is direct loss to insured equipment.This claim was received in our office on December 13, 2016. The loss report is for vandalism damage to two [redacted] VLN tractors and two Utility trailers. After review of the loss with Mr. [redacted], we retained a heavy equipment adjuster to assess the damage.In the course of the claim investigation, discussions were held with [redacted] about the tires and their damageability and reparability. We have agreed to replacement of damaged tires and await receipts from [redacted] to support recent purchases. In the meantime, we have paid all undisputed damage – after deductible.Upon receipt of invoices for prior work, we will resolve the outstanding aspects of [redacted]’s claim.If you require further assistance, please contact our Customer Advocacy Coordinator, Patty G[redacted] direct at ###-###-#### or [redacted]Sincerely,Kent M[redacted]Claim Manager E&S/Specialtycc: [redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

I am writing in response to the complaint from [redacted] regarding the NationwideFlexible Premium Variable Universal Life Insurance policy referenced above. This matter wasforwarded to Nationwide's Office of Compliance for review and handling. I appreciate yourpatience while we completed our...

review.Our records indicate that policy # [redacted] is a Nationwide Choicelife Protection FlexiblePremium Variable Universal Life Insurance policy that was issued on April 17, 2000 withinitial specified amount of $75,000 on the life o[redacted]. This policy has an insurancecomponent and an investment component; however. its primary intended purpose is to providelife insurance coverage until the maturity date stated in the contract.One of the most notable features of this policy is its premium flexibility. After payment of theMinimum Initial Premium, which is required in order to put the policy in force, payment ofadditional premiums is solely at the discretion of the policyholder. Rather than remaining inforce due to the timely payment of a fixed or scheduled premium, the policy remains in forcefor as long as there is enough Net Cash Surrender Value to pay the monthly charges (thisrepresents the cost of insurance, administrative charges and the cost of any riders).The policy is designed to provide flexibility in connection with premium payments, investmentoptions and death benefits. The policy owner has the right to vary the frequency and amountof premium payments, to allocate net premiums among the various Separate Accounts orGuaranteed Account, to increase or decrease the death benefit, or to change the death benefitoption, according to policy provisions. This is not a fixed premium life insurance contract. Theaccount value of the policy is allocated to the sub-accounts selected. The value of theunderlying sub-accounts fluctuate daily depending upon market performance and are notguaranteed.Our records indicate that this policy went into a "lapse pending" status in April 2016.  A lapsenotice was mailed to Mr. Amstrong on April 17, 2016 informing him that unless sufficientpremium was received by June 17, 2016, the policy would terminate. A reminder was thensent on May 17, 2016 and the final lapse notice was sent on June 23, 2016. Mr. [redacted]chose to pay a monthly premium of $25 per month throughout the life of the policy leaving itwith insufficient value to cover the cost of insurance.Enclosed is a copy of the application (Exhibit. A) for policy [redacted], and the policy itself(Exhibit B), given to Mr. [redacted] at issue. Each of these documents contain disclosuresrelating to the nature of this policy, including that the policy values could increase or decreasein accordance with the investment experience of the Separate Accounts and may increase inaccordance with the Interest credited to the Guaranteed Account, as well as statements withregard to the cost of insurance in relation to policy cash value.After policy [redacted] was issued, Mr. [redacted] had a period of 10 days to review thepolicy. Within those 10 days the policy could have been canceled with a refund of premium.In reviewing our records, we cannot find any information that would lead us to believe thatMr. [redacted] expressed any dissatisfaction with the policy during the examination period.In addition, since issuance of the policy, statements have been mailed to Mr. [redacted] on aquarterly and an annual basis indicating policy values, withdrawals, gains/losses, as well ascurrent surrender value.Based on our review, we feel that the terms and conditions of this policy were adequatelydisclosed to Mr. [redacted] at the time of purchase and find no basis to offer any type ofadjustment to policy [redacted]. If there is any other documentation you would like us toconsider, please forward it to my attention and we will review it thoroughly.We appreciate your patience in this matter. Should you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jeremy W[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]

I am rejecting this response because: you need to discuss this further with my vet's office.  There was nothing to remove as both were benign and there was nothing to remove.  I'm sick of the run around you are giving me.  This is the most awful experience and be assured just as soon as I can find a comparable plan with another company I will cease doing business with Nationwide.  
Regards,
[redacted]

We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced file.As we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms. [redacted]’s employer. We are not disputing money has been taken from Ms. [redacted]’s paycheck; we simply have not received any premium payments from the Third Party Administrator.Policies, like Ms. [redacted]’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholder. Ms. [redacted]’s employer is ADT. ADT contracts with a Third Party Administrator, [redacted], to administer premium deductions and remit to Nationwide.We want to assure Ms. [redacted] that her premium has not been applied to an incorrect policy. [redacted] has very strict guidelines for confirming the accuracy of premium deductions from ADT. All premium submitted to Nationwide is sent by policy number.We are sorry for any confusion caused by emails/letters showing different pet names linked to Ms. [redacted]. This was an isolated error and has been resolved.Upon receipt of this request for information, we again reached out to [redacted] and confirmed they have received two $9.24 payments from ADT for Ms. [redacted]’s policy. Based on [redacted]’s cut off times for processing, we may not receive this money until the week of February 22, 2016.Underwritten by National Casualty CompanyOnce the premium is received from [redacted], we will process the refund within twenty four hours and return the funds to Ms. [redacted] via check.Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted]Sincerely,Lynne C. H[redacted]

Some of the items stated in the response were incorrect. No correspondence was sent to me from this department. I have identified this was true in speaking with the new rep today and the address that was on file was incorrect. I actually had to request a copy of the letter for my claim rep (handled car repairs) in order to view any info needed by this dept. This is why it was not returned until September. No follow up/ email or call was placed to me my the account rep unless I initiated the response. Even when I Emailed the supervisor I still did not receive a response until Revdex.com got involved. Please verify with the system my correct address was placed in the system today. My complaint was based on the need to understand how the offer was calculated and the lack of care that was taken with me as a customer. I am also gave the rep all of the documentation I had regarding the accidents and clearly explained to her the one I did not have paper work for. My current rep has resolved any issues that could have been handled weeks ago. I am in hopes that my feedback and frustrations will lead to some type of change in providing better customer service. I definitely am very disappointed in how I was treated as a potential customer and will never do business with nationwide for insurance. 
Regards,
[redacted]

because I have a family of five and I am the only one working and with the pay that I receive I can not afford an additional insurance cost for my son who is not and can not drive.  I was told by DMV that my son  can not drive with a restricted license. The only car he can drive is a rental car but you have to be 25 and my son is only 21.  My son is in college and he rides the bus everyday.  I am just asking that someone make sense of this matter.
Regards,
[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Breean B[redacted]

Thank you             Fri, 03/11/16 3:13 pm     I received the refund from Nationwide insurance, today by Fed Ex. I do Thank you, very much for...

your help. [redacted]

I am writing in response to the complaint received today regarding Ms. [redacted]’ checking account with Nationwide Bank, and funds that have been held in the account.In reviewing Ms. [redacted]’ account, I find that as of today’s date, we have reached the ten-day required hold time prior to account closure....

As Ms. [redacted]’ payroll direct deposit was posted within that time frame, the deposit became part of the balance that was restricted. With that a request has been submitted to close all accounts that Ms. [redacted] holds with Nationwide Bank, with a check to be mailed to the address we have on file. That check will be mailed no later than February 14, 2017. Ms. [redacted] will also receive, in a separate mailing, a letter confirming the account closures. We ask that our customers allow seven to ten business days to receive any item or items that are mailed.I certainly regret the unfortunate timing that resulted in delaying the availability of Ms. [redacted]’ payroll deposit.Sincerely,

When I was informed that my rate was going up, I cancelled. I don't see how any business can change a rate for something that was in the past. I was given a rate. I paid what was quoted. Nobody ever said I could possibly be charged more for previous months of service that were already paid for and service completed. There may be some technicallity where some Michigan guidlines say ou can do that, but I never agreed to it. I paid what was quoted to me, service was cancelled, end of story. You can not send a bill to a past customer claiming you didn't charge them enough for past service. That is flat out ridiculous. 
Regards,[redacted]

as the information indicates the insurer arbitrarily decided to send notices to the garage get location rather than the billing location. There is a reason for providing vendors with billing addresses, it is to assure bills get paid. You can also see that payments were made each month. There was not one moth where a payment was not made. Although there was some confusion generated by a rate change which was not indicated and billings of different amounts, payments were made each month as acknowledged by the insurer and evidenced by the documents. Clearly there was absolutely no rationale for cancelling the insurance and placing the insured in jeopardy of liability and violation of law due to cancelation of insurance.
Regards,
[redacted]

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