We are in receipt of your request for information regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.Ms. [redacted] has the Medical Plan with a $100.00 annual deductible for...
her dog Murphy. On September 15, 2016 we received all of the above referenced claims with the following diagnosis on the claim forms:? Claim [redacted] – Laryngeal Paralysis (service date July 30, 2016).? Claim [redacted] – Pneumonia (service date August 1, 2016).? Claim [redacted] – Not eating or taking medications (service date August 5, 2016).? Claim [redacted] – Pneumonia recheck (service date August 12, 2016).No medical records were received with the claims and they were processed based on the information provided on the claim forms. Below is a summary of how the claims were processed and how much was reimbursed (listed in the order which they were processed):? Claim [redacted] – Processed as primary Laryngeal Paralysis (code 1409) and secondary Pneumonia (code 1447). Reimbursement amount: $68.00.? Claim [redacted] – Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $58.65.? Claim [redacted] – Processed as Laryngeal Paralysis. Reimbursement amount: $236.20.? Claim [redacted] Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $37.15.Please note that the Medical Plan works exclusively with a benefits schedule. Each eligible condition has a reimbursement limit per policy term. As outlined in the Medical Plan, Section 4, Benefit Provisions:A. We will pay covered veterinary expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition, up to the limits of this policy. To be eligible for payment, your pet’s condition or procedure to treat this condition must be listed in the VPI Medical Plan Benefit Schedule.B. We will apply your deductible to covered veterinary expenses that you incur during the policy term. We will pay covered veterinary services expenses that exceed your deductible, up to the limit of one Column A Primary Diagnosis Allowance and any Column B Secondary Diagnosis Allowance that applies to your pet’s condition. These Diagnosis Allowances are the most that we will pay during the policy term for any condition covered by this policy, regardless of the number of incidents or treatments during the policy term.C. Covered veterinary expenses from each incident are eligible for payment under only one Column A Primary Diagnosis Allowance and any applicable Column B Secondary Diagnosis Allowance. In each incident, we will apply the Column A Primary Diagnosis Allowance of the predominant condition for which your pet received veterinary services. We will not pay both a Column A Primary Diagnosis Allowance and a Column B Secondary Diagnosis Allowance under any Diagnosis Code that applies to the same condition.The processing of the claims was correct under the terms of the policy. As a courtesy, we have requested medical records on Ms. [redacted]’s behalf from Chase Farm Veterinary Hospital. We will review the above referenced claims for additional benefits and advise Ms. [redacted] of the outcome under a separate cover.Our members may request a review of any claim by contacting our office directly and providing supporting medical records. As outlined in the Medical Plan, Section 12, Review:You may request a review:A. If we deny your claim in whole or in part; orB. To ask that we remove an Additional Excluded Condition listed on the Declarations Page or Renewal Certificate of your policy.You must submit your review request in writing indicating the reason for the review. You must provide us with all medical and surgical records from your veterinarian relating to any condition that is the basis of your request. If your request for review involves an Additional Excluded Condition, you must provide us with medical and surgical records or other documentation from your veterinarian demonstrating that the condition was cured at least six months before the date of your request. Chronic conditions are not eligible for removal. All review decisions are final. Please note that Ms. [redacted] called our customer care department on September 27, 2016 regarding the processing of claim [redacted]. She was advised by our representative to submit records for a dispute review. We did not receive records so a review was never initiated.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Vincent G[redacted]
[redacted]
The photos provided by Oscar at Nationwide are not close ups, therefore does not show the condition of the bumper. I have attached current photo’s of the bumper that shows alignment issues (the bumper does not fit which is clear to see when you look at the vehicle in person) I’m not sure if Nationwide has actually looked at the vehicle or being honest in this report as you can clearly see the issue. I’ve also attached a picture of the poor welding job done by [redacted] Auto Body during the first attempted repair in 2015 which [redacted] Auto Body finally corrected in 2016 after my complain to Revdex.com after exhausting efforts made with Nationwide to address. The report provided by Oscar is not the inspection to the customer. We have not received the report or bill at this time and will make further contact once we have an update from Toyota Financial.
This is in response to your inquiry dated January 20. 2017 regarding [redacted]I spoke to my associate who handled the policyholder’s request. The summary of theirconversation was to add GAP coverage to the 2016 Chevrolet Silverado. There was nodiscussion of the coverage details, nor did the...
member ask for any details. She was not toldthat the GAP insurance would cover the full amount of the loan and specifics were notdiscussed. A declaration page, which was sent to the policyholder, with the endorsement isattached for your reference. This coverage was requested approximately 2 months followingthe placement of insurance on this vehicle.The reference to the statement that she was sold the wrong GAP coverage and we sell differenttypes of GAP coverage is incorrect. Nationwide sells GAP coverage under two differentendorsements, however, the GAP coverage is exactly the same on either endorsement.If you require further assistance, please contact our Customer Relations Coordinator,[redacted], at ###-###-#### or by email at [redacted]Sincerely,James B[redacted]
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on...
March 17, 2015 Associate Agent [redacted] received an email from Ms. [redacted] informing him she was moving back to the [redacted] on May 22, 2015. She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr. [redacted] responded via email to Ms. [redacted]’ request to update her banking information. He informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms. [redacted] responded to Mr. [redacted]’s email on March 19 giving him the banking information needed and again on March 20. These emails also contained questions pertaining to the $30.00 non-sufficient fund fee she was being incorrectly charged. Unfortunately, these emails were not opened by Mr. [redacted] until April 28. It was on this date Mr. [redacted] informed Ms. [redacted] (via email) that he had not changed the routing and account numbers as he advised he would. Mr. [redacted] also informed Ms. [redacted] the policy was scheduled to cancel on April 29, 2015. Realizing his error, Mr. [redacted] also informed Ms. [redacted] he would have the non-sufficient fund fee waived. Subsequently, there was no follow up with the insured nor was the $30.00 non-sufficient fee waived.We have, however, taken the necessary steps to remove the $30.00 non-sufficient funds fee and the resulting $22.68 collection amount charged to Ms. [redacted]. A refund check in the amount of $7.32 (unearned premium) is in the process of being mailed to Ms. [redacted] and [redacted] to the [redacted] address we have on file. The policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms. [redacted] and Mr. [redacted] for the level of service they received. We thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call [redacted] Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at [redacted]Sincerely,[redacted]Nationwide###-###-#### [redacted]
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt. What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily. As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment. This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill. I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June. Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed. Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response. I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTED. Nationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy. I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to.
There was no new damages to the 2013 Toyota Prius, This was poor workmanship from [redacted] Auto Body. There hasn't been any sufficient proof to this claim, the Nationwide Claims manager showed up to [redacted] Auto after the car was taking apart and didn't witness any new damages. The Nationwide manager does not have proof of the claims made to this being new damages. I've requested several times for a representative of Nationwide to be present during the taking off of the bumper however they always show up afterwards the next day after the body shop has had the vehicle in their possession for 24 hours to hide evidence of their poor work and make it appear to be new damages. I've notified Nationwide several times that [redacted] Auto Body continues to try to repair the car and I receive it in poor workmanship. The damages from the auto accident should have totaled the car out yet [redacted] Auto Body tried to repair it and the car can't be repaired properly because of the severe impact.[redacted] Auto repaired the bumper and trunk lining which Nationwide agreed that the trunk lining was repaired in poor workman ship but failed to make note of this. The bumper is still not repaired in factory quality. Oscar at Nationwide was notified and no one from Nationwide has come out to see the final repairs. I was told by Oscar to turn the car into Toyota and let Toyota contact Nationwide with any concerns. I am not satisfied with the dishonesty from [redacted] Auto Body and the non-factual statements from Nationwide. I was spoken to very poorly by the body shop with an aggressive manner until I filed and Revdex.com report. Everyone has been nice to me since filing an complaint through the Revdex.com however the truth has not been told and the bumper remains to be not repaired properly. [redacted] Auto Body has repaired the bumper 3 times already they claim this was an new accident a
This is in response to the additional inquiry received for the above policyholder and her property policy. Ms. [redacted] alleges our Company did a false inspection on her home. Our vendor [redacted], performed the inspection on July 23, 2015 with her spouse, Ryan [redacted]’s permission. Mr. [redacted] was interviewed by the inspector and allowed the inspector to enter the home to perform an interior review as well as the exterior revew. A copy of the inspection report has been enclosed. Ms. [redacted] has shared that her siding is not wood shakes, but vinyl that look like wood. In review of the pictures within the inspection, the siding does appear to be wood shakes. If they are vinyl, our replacement cost would only decrease by $1530 to $277,325. Our Company was insuring Mr. and Ms. [redacted]’s home at 100% replacement cost and through the inspection it was found to be $278,855. We cannot answer how other companies rate for replacement cost. Ms. [redacted] is also concerned on her billing account and the payment our Company received on April 20, 2016 to reinstate her policy. The following is a breakdown of her billing account: On June 23, 2015 a transaction processed binding policy 5106HO729223 effective June 25, 2015 with a term premium of $859.09. On July 16, 2015 a check payment was received via the mail in the amount of $859.09. On August 31, 2015 a change was processed to the policy increasing the coverage limits effective the June 25, 2015 inception date. This change was made based on an inspection completed and resulted in an increase in premium of $274.78. On March 1, 2016 a bill was issued advising that a payment of $274.78 was due by March 25, 2016. On March 31, 2016 a Notice of Cancellation was issued advising that a payment of $274.78 must reach Nationwide by April 14, 2016 or the policy would be cancelled effective April 15, 2016. On April 18, 2016 a transaction was processed to cancel the policy effective April 15, 2016. $220.54 in unearned premium was removed from the account leaving a collection balance of $54.24 due for coverage provided until April 15, 2016. On April 20, 2016 a check payment was received via the mail in the amount of $274.78. Per our records this payment was made on behalf of the insured by her mortgage company Wells Fargo Bank. A copy of the redacted check has been included. On April 21, 2016 a transaction was automatically processed to reinstate the policy effective April 20, 2016. As the automobile policy had been cancelled, the policy was reinstated without the Home and Car discount leaving an amount due of $59.75. As Ms. [redacted] has advised that she has obtained coverage elsewhere and does not desire to be insured with Nationwide we are able to process a cancelation of the policy per her request. The policy has been request cancelled effective April 20, 2016 and a $220.54 refund has been issued on the policy. 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 [redacted], Cathy D[redacted]r, at ###-###-#### or by email at [redacted] Sincerely, Bridget M. D[redacted]
Thank you for the opportunity to respond to the RevDex.com regarding policy number [redacted] for Ms. [redacted] and to
address her concerns about the policy.
On 08/19/2015, Ms. [redacted] purchased a six month insurance
policy from the Nationwide Sales...
Solutions with a bill plan of 16.7% down and 5
installments.
Ms. [redacted] made a payment of $49.77 to start the policy on
08/19/2015. Ms. [redacted] was advised that it was a partial payment. The full
down payment amount required was $55.29.
On 09/04/2015, a Notice of Installment Due was mailed to Ms.
[redacted] advising an amount due of $72.66. This amount included the outstanding
$5.52 remaining from the down payment. Ms. [redacted]’s installments were $67.14
as agreed upon during the quoting process.
On 10/04/2015, no payment was received and the policy
cancelled. There is an outstanding balance in the amount of $47.91.
If you require further assistance in this matter, please
contact our Customer Relations Coordinator, Charity W[redacted] at ###-###-#### or by email at [redacted].
Sincerely,
Alexandria C[redacted]
Per my original request I asked that my driving record be corrected. As of 03/19/2018 this accident is still reporting as AT FAULT.I can NOT get any accurate insurance quotes or qualify at all with this reporting incorrectly on my driving record.The letter does NOT help me as a consumer trying to shop for insurance rates.
This letter is in response to Mr. [redacted] message submitted to the Revdex.com received in our office onMarch 13, 2017.I am in receipt of the documentation provided by Mr. [redacted] to Sales Manager [redacted],and it has been forwarded for review. Through an oversight on my part, the documents were not sentfor review as stated in our February 27, 2017 response. I have sent the attached email to Mr.[redacted] apologizing for the delay and thanking him for his patience.If you require further assistance, please let me know.Sincerely,Janice K[redacted]
The reason I em sending these documents is to show the mistakes made by Nationwideand their local agents. Included is the original applicatlon (that I did not receive until May2015, when the policy was opened in December 2014). Once I received the applicatlonin May (when they asked me to sign and backdate it to Dec) I highlighted and correctederrors and concerns on the application and sent it back to them for review and the localagents never responded. I let them know I could not sign the application until the errorswere fixed which the agent refused to do and instead told me I can take my businesselsewhere. Also, I am sending the ilnception page that was attached to the responsethrough Nationwide. This document clearly shows the policy holder as [redacted] 'and the only Insured Driver as [redacted]. The car on the policy was my car, [redacted]
[redacted], with no one else listed on the title. I did eventually notice that error and callback to add myself as a driver. I am also sending former and current declaration pagesaddressed to my mother. These are the documents I was told I was supposed to reviewto make sure the agent did their job properly (my mother sometimes grabs her mail andnever opens it). My mother doesn't want anything to do with thls whole mess by the way.She is sickened by Nationwide and how they are treatlng their long term loyal .customers. Nationwide is saying the names on the policy were a "system errors", but yetto this day it still has not been fixed. I will also send a copy of proof of payment for therental car that was not covered because the agent never added it to my pollcy when Irequested it in December. I guess he was too busy maklng a million other mistakes.Another thing I was bothered by was the fact that rental car coverage is known as 'Lossof Use" with nationwide, Had I received the declarations and reviewed them I would notknow that insurance jargon anyway. That is not consumer friendly. As far as customerservice, most companies aim to make processes as easy, smooth, and painless aspossible for customers. Nationwide does not. Instead I was given homework, homeworkthat was never sent to me. Then I was faulted for it after it was given to me months laterand it was too late. The local agents never followed up to make sure they had thenecessary documents for the policy or to even see if I received them. Instead the localagent told me they must have gotten stuck in his outbox. What? Okay. My opinion isNationwide as a whole could use a serious tune up on their customer servicing. I wouldlike to mention one agent in particular that I was amazed how blunt and rude she was,[redacted], I'm not sure if I have the spelling correctly, but I believe she workedin agency support. She wasn't helpful by any means. Did not show any compassion orsympathy for a customer who had to go through a dispute after being in an accidentwhere the vehicle wes totaled. I am a single full time working mom of a 1 year old. Ireally do not have time for all of thls, but when I feel passionate about something andgetting my point across and my story heard than I will take the time out of my busy andsleepless llfe to do so. I feel like I have been done wrong by a company I have a longrelationship with and have been very loyal to. I am still insured by Nationwide through allof this and people think I'm crazy for not going to a competitor. I enjoy being withNationwide, but I do not at-all feel appreciated as a customer. This response iscompletely free written, no review, no logic behind it. I am just speaking what I feel andhow I feel. I'm pretty sure I will not get the desired outcome from all this which is ashame. I know someone within the company would agree with my story and do the rightthing it just takes the right person to hear it, and maybe it won't be heard. This wholeprocess has been extremely tiring and I am ready to be done with it. There may bethings I left out or documents included I did not explain so I apologize for that, and anygrammatical or spelling errors; I don't have time or energy to proof read back through.Thank you for your time,[redacted]
Our records indicate the Auto policy mentioned above has been listed at the address of [redacted] from inception of the policy. The billing account also has the same address listed, however, is set up on Paperless billing. This means that...
bills are sent to the email address on file.
Our records indicate a bill was generated for $53.67 due December 1, 2014. After no payment was received a Notice of Cancellation (NOC) was sent for $63.67 due December 25, 2014 or the policy would cancel effective December 26, 2014.
There was no payment received and the policy cancelled effective December 26, 2014. A refund of $61.78 was sent to the address on file and cashed on January 29, 2015.
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
If you require further assistance, please contact our [redacted], Cathy D[redacted], at ###-###-#### or by email at
Sincerely,
Thank you for the opportunity to respond to Ms. [redacted] concerns regarding the above referenced auto policy. Nationwide understands that the insured may be going through some financial hardships, but we are legally obligated to apply our nonpayment of premium rules consistently to all...
policyholders. We are required by state statute to send all billing notices and nonpayment of premium notices to the last known address provided on the policy. We sent the billing notice on May 8, 2017 and the warning letter for non pay on May 18, 2017 to the address currently listed on her policy. The last date of payment was June 4, 2017. Payment was made on June 4, 2017, but was returned due to an invalid payment. Therefore, the policy cancelled for non payment of premium effective June 4, 2017 While the insured's circumstances are unfortunate, the Company does not get involved in an insured's personal business and therefore can not make any exceptions due to her current personal situation. Due to the payment history on the policy, she is not eligible for reinstatement. Sincerely, Kristin M[redacted] Personal Lines Compliance Specialist
This letter is in response to the complaint filed with your agency by [redacted] regarding her automobile policy. Our records indicate the policy was written with an effective date of January 1, 2016. The policy was cancelled at the request of Ms. [redacted] effective March 15, 2016, with a balance...
due of $282.10. Nationwide issued two separate bills to the name and address on file following the cancellation of the policy.Due to the lack of receipt of payment Nationwide sent the balance due to a third party for collection. Attached please find copies of the bills mailed by Nationwide prior to the balance being turned over to collections. The balance due reflects premium owed up until the time of cancellation.If you require further assistance, please contact our [redacted], Janice K[redacted] direct at ###-###-#### or by email at [redacted]Sincerely,Colleen F[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. [redacted] Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck.
Understand we are in a Rental car for $35/day since this has been drug out for over 60 days!
Regards,
[redacted] [redacted]
Thank you for the opportunity to respond to the complaint filed by Mr. [redacted] regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company ([redacted]). We have reviewed the concerns expressed by Mr. [redacted] and will attempt to address them in this...
letter.Homeowner Policy ######## On August 13, 2010 notification of non-renewal was mailed to Mr. [redacted] advising that his homeowner policy would be non-renewed effective September 30, 2010 as a result of him no longer meeting our eligibility requirements for our homeowner program. Mr. [redacted] had more than one weather related and one non-weather related loss within the past three years. There was no remaining balance due on the homeowner policy. Dwelling Fire Policy######## On September 7, 2011 a billing statement was mailed to Mr. [redacted] to the last known address on file, requesting payment of $85.89. Payment needed to be received by our Company by October 1, 2011 in order to prevent cancellation of the dwelling fire policy. Payment was not received by the requested due date. On October 7, 2011 Notice of Cancellation was mailed to Mr. [redacted] to the last known address on file, informing Mr. [redacted]hat payment of $85.89 be received by October 18, 2011. Payment was not received and as a result his dwelling fire policy cancelled effective October 19, 2011. A copy of the notification of cancellation is attached for your reference. Coverage was provided under policy 6341T471701 for Mr. [redacted] from December 30, 2010 until it cancelled effective October 19, 2011. Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67. On October 25, 2011 a billing statement was mailed to Mr. [redacted] requesting payment of $99.67 by November 13, 2011 for the remaining outstanding balance. A copy of the billing statement is attached for your reference. Payment was not received by the requested due date and sent to collections on December 13, 2011. We appreciate the opportunity to review Mr. [redacted]’s business, and hope that this information will help to address his concerns. If you require further assistance, please contact our [redacted], Jose L[redacted], at ###-###-#### or by email at [redacted]Sincerely, Jennifer F[redacted]
Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W[redacted]. I reviewed the complaint and the claim file and would like to address Mr. W[redacted]’s concerns. This claim was handled under a Farmowner’s Policy underwritten by Nationwide...
Agribusiness Insurance (Nationwide). This policy originally incepted on November 11, 2009. On April 21, 2017, Mr. W[redacted] had a 2017 [redacted] with Loader B4122 & Mower added to the policy. The tractor had a limit of $21,050.00 and a deductible of $2,500.00. A claim was reported for a loss on July 19, 2017. Claims Specialist Michael Charles C[redacted] spoke with Mr. W[redacted] on July 20th to discuss the details of the loss. Mr. W[redacted] explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage. There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel. Mr. C[redacted] went over the coverages which included $10,000.00 in rental, $5,000.00 for Extra Expense/Continuing Operations, and a $2,500.00 deductible. An inspection would be performed to evaluate the damages. On July 25th, Mr. C[redacted] spoke with Mr. W[redacted] and Mr. W[redacted] advised that there was a dispute over the amount of the deductible. Until the dispute was settled, he didn’t want to move forward with the claim. An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as Mr. W[redacted] had not intended for the deductible to be $2,500.00. On August 11th, Mr. C[redacted] contacted Mr. W[redacted] and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent. The deductible would remain at $2,500.00. Mr. W[redacted] was upset and did not want anything done on the claim. He advised that he intended to contact the Revdex.com, the Department of Insurance, and [redacted]. On August 15th, Mr. C[redacted] spoke with Mr. W[redacted] again. He went over the settlement with him. The repair estimate came to $3,436.22. After the deductible of $2,500.00 was taken, Nationwide owed a balance of $936.22. Mr. C[redacted] advised that he would be issuing a payment to Mr. & Ms. W[redacted] and their repair facility for $936.22. The payment was issued on August 18, 2017 (check #[redacted]) to Heather & Dan W[redacted] & [redacted]. The claim is now closed. If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S[redacted] at ###-###-#### or via e-mail at [redacted]. Sincerely, Julie C[redacted] Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
The information in the response from Nationwide in inaccurate. I applied for the loan online on November 16, 2015 and didn't receive the requested amount until Monday, December 14, 2015 (nearly 1 month later). I have attached a copy of two pictures: the first showing acknowledgement from Nationwide on November 24th and the second showing the numerous amount of times the loan needed to be cancelled/resubmitted. The information I received from Nationwide was that the third party administrator ([redacted]) was at fault. When everything was finalized, it is obviously the burden of responsibility lies with Nationwide. It is apparent to me that Nationwide does not have the ability to handle individual issues as they arise. They were more interested in bickering with the third party administrator than resolving the issue. It is completely unacceptable the way everything was handled. I applied for the loan giving myself (what should have been) plenty of time to have it for Christmas shopping. I'm a single mother and not knowing when or if I would receive the money was not only frustrating but aggravating. Do I expect someone at Nationwide to drop everything and work on my problem? Yes, I do!! As of the end of November, the loan had been approved by my employer, the third party administrator and by Nationwide itself. However, it took until December 15th to finally receive the deposit. I am now stuck paying additional shipping charges in order to guarantee Christmas delivery and some items are out of stock and now not available. I couldn't be more disappointed in the way Nationwide handled the entire transaction.
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address his concerns about the policy. On 01/12/2017, Mr. [redacted] started a six-month, 25% down payment personal auto policy through the Lawrence Agency...
Incorporated. The policy cancelled on 02/26/2017 for non-payment of the first installment bill, due on 02/12/2017. On 01/14/2017, the system erroneously sent a memo to both Mr. [redacted] and the Lawrence Agency Inc. advising that a Mississippi driver’s license was required. The error has since been addressed and corrected in the system, and on 01/31/2017 underwriting logged off the memo so no follow up actions would be taken on Mr. [redacted]’ policy. On 02/10/2017, underwriting received an error notification from the Rhode Island Division of Motor Vehicles in regards to the VIN number provided on Mr. [redacted]’ policy. The memo that was sent to Mr. [redacted] on 02/11/2017 requested the VIN be verified with the member service center. It also advised that the error may indicate the vehicle is not registered with the state. At no point in this memo or at any point moving forward was Mr. [redacted]’ policy set up for cancellation due to the vehicle registration or his driver’s license. On 04/03/2017, the agency contacted the member service center to advise that Mr. [redacted] was unable to get his vehicle registered with the state of Rhode Island, and requested to have the policy cancelled back to inception. The Member Care Representative advised that we would need a signed cancellation request from Mr. [redacted] to complete the request. The agent was also advised that any funds owed back to Mr. [redacted] would be mailed to him in the form of a check. At no point during this conversation is the amount of the refund discussed. On 04/03/2017 the signed cancellation request was received by the member service center. As per our underwriting guidelines, processing sent a memo to both Mr. [redacted] and the Lawrence Agency Inc. advising that additional proof was required to complete the cancellation due to the requested date being more than 30 days in the past. However, because Mr. [redacted]’ agent was advised a signed cancellation request was needed with nothing further to cancel, we have gone ahead and re-cancelled Mr. [redacted]’ policy to his requested date of 01/12/2017. He will be receiving a check in the mail for $303.10. Mr. [redacted] mentions in his statement that he tried contacting Nationwide directly in January in regards to the memos he had received and that no one ever returned his call. The member service center does not have an after-hours message system in place, and there is no record of Mr. [redacted] calling the member service center. I trust that I have addressed the issues within Mr. [redacted]’ complaint. If you require further assistance, please contact me, Charity W[redacted], at ###-###-#### or by email at [email protected]. Sincerely, Jillian J[redacted] Analyst, Process Management
We are in receipt of your request for information regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.Ms. [redacted] has the Medical Plan with a $100.00 annual deductible for...
her dog Murphy. On September 15, 2016 we received all of the above referenced claims with the following diagnosis on the claim forms:? Claim [redacted] – Laryngeal Paralysis (service date July 30, 2016).? Claim [redacted] – Pneumonia (service date August 1, 2016).? Claim [redacted] – Not eating or taking medications (service date August 5, 2016).? Claim [redacted] – Pneumonia recheck (service date August 12, 2016).No medical records were received with the claims and they were processed based on the information provided on the claim forms. Below is a summary of how the claims were processed and how much was reimbursed (listed in the order which they were processed):? Claim [redacted] – Processed as primary Laryngeal Paralysis (code 1409) and secondary Pneumonia (code 1447). Reimbursement amount: $68.00.? Claim [redacted] – Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $58.65.? Claim [redacted] – Processed as Laryngeal Paralysis. Reimbursement amount: $236.20.? Claim [redacted] Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $37.15.Please note that the Medical Plan works exclusively with a benefits schedule. Each eligible condition has a reimbursement limit per policy term. As outlined in the Medical Plan, Section 4, Benefit Provisions:A. We will pay covered veterinary expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition, up to the limits of this policy. To be eligible for payment, your pet’s condition or procedure to treat this condition must be listed in the VPI Medical Plan Benefit Schedule.B. We will apply your deductible to covered veterinary expenses that you incur during the policy term. We will pay covered veterinary services expenses that exceed your deductible, up to the limit of one Column A Primary Diagnosis Allowance and any Column B Secondary Diagnosis Allowance that applies to your pet’s condition. These Diagnosis Allowances are the most that we will pay during the policy term for any condition covered by this policy, regardless of the number of incidents or treatments during the policy term.C. Covered veterinary expenses from each incident are eligible for payment under only one Column A Primary Diagnosis Allowance and any applicable Column B Secondary Diagnosis Allowance. In each incident, we will apply the Column A Primary Diagnosis Allowance of the predominant condition for which your pet received veterinary services. We will not pay both a Column A Primary Diagnosis Allowance and a Column B Secondary Diagnosis Allowance under any Diagnosis Code that applies to the same condition.The processing of the claims was correct under the terms of the policy. As a courtesy, we have requested medical records on Ms. [redacted]’s behalf from Chase Farm Veterinary Hospital. We will review the above referenced claims for additional benefits and advise Ms. [redacted] of the outcome under a separate cover.Our members may request a review of any claim by contacting our office directly and providing supporting medical records. As outlined in the Medical Plan, Section 12, Review:You may request a review:A. If we deny your claim in whole or in part; orB. To ask that we remove an Additional Excluded Condition listed on the Declarations Page or Renewal Certificate of your policy.You must submit your review request in writing indicating the reason for the review. You must provide us with all medical and surgical records from your veterinarian relating to any condition that is the basis of your request. If your request for review involves an Additional Excluded Condition, you must provide us with medical and surgical records or other documentation from your veterinarian demonstrating that the condition was cured at least six months before the date of your request. Chronic conditions are not eligible for removal. All review decisions are final. Please note that Ms. [redacted] called our customer care department on September 27, 2016 regarding the processing of claim [redacted]. She was advised by our representative to submit records for a dispute review. We did not receive records so a review was never initiated.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Vincent G[redacted]
[redacted]
I am rejecting this response because:
Regards,
[redacted]
The photos provided by Oscar at Nationwide are not close ups, therefore does not show the condition of the bumper. I have attached current photo’s of the bumper that shows alignment issues (the bumper does not fit which is clear to see when you look at the vehicle in person) I’m not sure if Nationwide has actually looked at the vehicle or being honest in this report as you can clearly see the issue. I’ve also attached a picture of the poor welding job done by [redacted] Auto Body during the first attempted repair in 2015 which [redacted] Auto Body finally corrected in 2016 after my complain to Revdex.com after exhausting efforts made with Nationwide to address. The report provided by Oscar is not the inspection to the customer. We have not received the report or bill at this time and will make further contact once we have an update from Toyota Financial.
This is in response to your inquiry dated January 20. 2017 regarding [redacted]I spoke to my associate who handled the policyholder’s request. The summary of theirconversation was to add GAP coverage to the 2016 Chevrolet Silverado. There was nodiscussion of the coverage details, nor did the...
member ask for any details. She was not toldthat the GAP insurance would cover the full amount of the loan and specifics were notdiscussed. A declaration page, which was sent to the policyholder, with the endorsement isattached for your reference. This coverage was requested approximately 2 months followingthe placement of insurance on this vehicle.The reference to the statement that she was sold the wrong GAP coverage and we sell differenttypes of GAP coverage is incorrect. Nationwide sells GAP coverage under two differentendorsements, however, the GAP coverage is exactly the same on either endorsement.If you require further assistance, please contact our Customer Relations Coordinator,[redacted], at ###-###-#### or by email at [redacted]Sincerely,James B[redacted]
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on...
March 17, 2015 Associate Agent [redacted] received an email from Ms. [redacted] informing him she was moving back to the [redacted] on May 22, 2015. She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr. [redacted] responded via email to Ms. [redacted]’ request to update her banking information. He informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms. [redacted] responded to Mr. [redacted]’s email on March 19 giving him the banking information needed and again on March 20. These emails also contained questions pertaining to the $30.00 non-sufficient fund fee she was being incorrectly charged. Unfortunately, these emails were not opened by Mr. [redacted] until April 28. It was on this date Mr. [redacted] informed Ms. [redacted] (via email) that he had not changed the routing and account numbers as he advised he would. Mr. [redacted] also informed Ms. [redacted] the policy was scheduled to cancel on April 29, 2015. Realizing his error, Mr. [redacted] also informed Ms. [redacted] he would have the non-sufficient fund fee waived. Subsequently, there was no follow up with the insured nor was the $30.00 non-sufficient fee waived.We have, however, taken the necessary steps to remove the $30.00 non-sufficient funds fee and the resulting $22.68 collection amount charged to Ms. [redacted]. A refund check in the amount of $7.32 (unearned premium) is in the process of being mailed to Ms. [redacted] and [redacted] to the [redacted] address we have on file. The policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms. [redacted] and Mr. [redacted] for the level of service they received. We thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call [redacted] Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at [redacted]Sincerely,[redacted]Nationwide###-###-#### [redacted]
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt. What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily. As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment. This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill. I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June. Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed. Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response. I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTED. Nationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy. I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to.
There was no new damages to the 2013 Toyota Prius, This was poor workmanship from [redacted] Auto Body. There hasn't been any sufficient proof to this claim, the Nationwide Claims manager showed up to [redacted] Auto after the car was taking apart and didn't witness any new damages. The Nationwide manager does not have proof of the claims made to this being new damages. I've requested several times for a representative of Nationwide to be present during the taking off of the bumper however they always show up afterwards the next day after the body shop has had the vehicle in their possession for 24 hours to hide evidence of their poor work and make it appear to be new damages. I've notified Nationwide several times that [redacted] Auto Body continues to try to repair the car and I receive it in poor workmanship. The damages from the auto accident should have totaled the car out yet [redacted] Auto Body tried to repair it and the car can't be repaired properly because of the severe impact.[redacted] Auto repaired the bumper and trunk lining which Nationwide agreed that the trunk lining was repaired in poor workman ship but failed to make note of this. The bumper is still not repaired in factory quality. Oscar at Nationwide was notified and no one from Nationwide has come out to see the final repairs. I was told by Oscar to turn the car into Toyota and let Toyota contact Nationwide with any concerns. I am not satisfied with the dishonesty from [redacted] Auto Body and the non-factual statements from Nationwide. I was spoken to very poorly by the body shop with an aggressive manner until I filed and Revdex.com report. Everyone has been nice to me since filing an complaint through the Revdex.com however the truth has not been told and the bumper remains to be not repaired properly. [redacted] Auto Body has repaired the bumper 3 times already they claim this was an new accident a
This is in response to the additional inquiry received for the above policyholder and her property policy. Ms. [redacted] alleges our Company did a false inspection on her home. Our vendor [redacted], performed the inspection on July 23, 2015 with her spouse, Ryan [redacted]’s permission. Mr. [redacted] was interviewed by the inspector and allowed the inspector to enter the home to perform an interior review as well as the exterior revew. A copy of the inspection report has been enclosed. Ms. [redacted] has shared that her siding is not wood shakes, but vinyl that look like wood. In review of the pictures within the inspection, the siding does appear to be wood shakes. If they are vinyl, our replacement cost would only decrease by $1530 to $277,325. Our Company was insuring Mr. and Ms. [redacted]’s home at 100% replacement cost and through the inspection it was found to be $278,855. We cannot answer how other companies rate for replacement cost. Ms. [redacted] is also concerned on her billing account and the payment our Company received on April 20, 2016 to reinstate her policy. The following is a breakdown of her billing account: On June 23, 2015 a transaction processed binding policy 5106HO729223 effective June 25, 2015 with a term premium of $859.09. On July 16, 2015 a check payment was received via the mail in the amount of $859.09. On August 31, 2015 a change was processed to the policy increasing the coverage limits effective the June 25, 2015 inception date. This change was made based on an inspection completed and resulted in an increase in premium of $274.78. On March 1, 2016 a bill was issued advising that a payment of $274.78 was due by March 25, 2016. On March 31, 2016 a Notice of Cancellation was issued advising that a payment of $274.78 must reach Nationwide by April 14, 2016 or the policy would be cancelled effective April 15, 2016. On April 18, 2016 a transaction was processed to cancel the policy effective April 15, 2016. $220.54 in unearned premium was removed from the account leaving a collection balance of $54.24 due for coverage provided until April 15, 2016. On April 20, 2016 a check payment was received via the mail in the amount of $274.78. Per our records this payment was made on behalf of the insured by her mortgage company Wells Fargo Bank. A copy of the redacted check has been included. On April 21, 2016 a transaction was automatically processed to reinstate the policy effective April 20, 2016. As the automobile policy had been cancelled, the policy was reinstated without the Home and Car discount leaving an amount due of $59.75. As Ms. [redacted] has advised that she has obtained coverage elsewhere and does not desire to be insured with Nationwide we are able to process a cancelation of the policy per her request. The policy has been request cancelled effective April 20, 2016 and a $220.54 refund has been issued on the policy. 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 [redacted], Cathy D[redacted]r, at ###-###-#### or by email at [redacted] Sincerely, Bridget M. D[redacted]
Thank you for the opportunity to respond to the RevDex.com regarding policy number [redacted] for Ms. [redacted] and to
address her concerns about the policy.
On 08/19/2015, Ms. [redacted] purchased a six month insurance
policy from the Nationwide Sales...
Solutions with a bill plan of 16.7% down and 5
installments.
Ms. [redacted] made a payment of $49.77 to start the policy on
08/19/2015. Ms. [redacted] was advised that it was a partial payment. The full
down payment amount required was $55.29.
On 09/04/2015, a Notice of Installment Due was mailed to Ms.
[redacted] advising an amount due of $72.66. This amount included the outstanding
$5.52 remaining from the down payment. Ms. [redacted]’s installments were $67.14
as agreed upon during the quoting process.
On 10/04/2015, no payment was received and the policy
cancelled. There is an outstanding balance in the amount of $47.91.
If you require further assistance in this matter, please
contact our Customer Relations Coordinator, Charity W[redacted] at ###-###-#### or by email at [redacted].
Sincerely,
Alexandria C[redacted]
Per my original request I asked that my driving record be corrected. As of 03/19/2018 this accident is still reporting as AT FAULT.I can NOT get any accurate insurance quotes or qualify at all with this reporting incorrectly on my driving record.The letter does NOT help me as a consumer trying to shop for insurance rates.
This letter is in response to Mr. [redacted] message submitted to the Revdex.com received in our office onMarch 13, 2017.I am in receipt of the documentation provided by Mr. [redacted] to Sales Manager [redacted],and it has been forwarded for review. Through an oversight on my part, the documents were not sentfor review as stated in our February 27, 2017 response. I have sent the attached email to Mr.[redacted] apologizing for the delay and thanking him for his patience.If you require further assistance, please let me know.Sincerely,Janice K[redacted]
The reason I em sending these documents is to show the mistakes made by Nationwideand their local agents. Included is the original applicatlon (that I did not receive until May2015, when the policy was opened in December 2014). Once I received the applicatlonin May (when they asked me to sign and backdate it to Dec) I highlighted and correctederrors and concerns on the application and sent it back to them for review and the localagents never responded. I let them know I could not sign the application until the errorswere fixed which the agent refused to do and instead told me I can take my businesselsewhere. Also, I am sending the ilnception page that was attached to the responsethrough Nationwide. This document clearly shows the policy holder as [redacted] 'and the only Insured Driver as [redacted]. The car on the policy was my car, [redacted]
[redacted], with no one else listed on the title. I did eventually notice that error and callback to add myself as a driver. I am also sending former and current declaration pagesaddressed to my mother. These are the documents I was told I was supposed to reviewto make sure the agent did their job properly (my mother sometimes grabs her mail andnever opens it). My mother doesn't want anything to do with thls whole mess by the way.She is sickened by Nationwide and how they are treatlng their long term loyal .customers. Nationwide is saying the names on the policy were a "system errors", but yetto this day it still has not been fixed. I will also send a copy of proof of payment for therental car that was not covered because the agent never added it to my pollcy when Irequested it in December. I guess he was too busy maklng a million other mistakes.Another thing I was bothered by was the fact that rental car coverage is known as 'Lossof Use" with nationwide, Had I received the declarations and reviewed them I would notknow that insurance jargon anyway. That is not consumer friendly. As far as customerservice, most companies aim to make processes as easy, smooth, and painless aspossible for customers. Nationwide does not. Instead I was given homework, homeworkthat was never sent to me. Then I was faulted for it after it was given to me months laterand it was too late. The local agents never followed up to make sure they had thenecessary documents for the policy or to even see if I received them. Instead the localagent told me they must have gotten stuck in his outbox. What? Okay. My opinion isNationwide as a whole could use a serious tune up on their customer servicing. I wouldlike to mention one agent in particular that I was amazed how blunt and rude she was,[redacted], I'm not sure if I have the spelling correctly, but I believe she workedin agency support. She wasn't helpful by any means. Did not show any compassion orsympathy for a customer who had to go through a dispute after being in an accidentwhere the vehicle wes totaled. I am a single full time working mom of a 1 year old. Ireally do not have time for all of thls, but when I feel passionate about something andgetting my point across and my story heard than I will take the time out of my busy andsleepless llfe to do so. I feel like I have been done wrong by a company I have a longrelationship with and have been very loyal to. I am still insured by Nationwide through allof this and people think I'm crazy for not going to a competitor. I enjoy being withNationwide, but I do not at-all feel appreciated as a customer. This response iscompletely free written, no review, no logic behind it. I am just speaking what I feel andhow I feel. I'm pretty sure I will not get the desired outcome from all this which is ashame. I know someone within the company would agree with my story and do the rightthing it just takes the right person to hear it, and maybe it won't be heard. This wholeprocess has been extremely tiring and I am ready to be done with it. There may bethings I left out or documents included I did not explain so I apologize for that, and anygrammatical or spelling errors; I don't have time or energy to proof read back through.Thank you for your time,[redacted]
Our records indicate the Auto policy mentioned above has been listed at the address of [redacted] from inception of the policy. The billing account also has the same address listed, however, is set up on Paperless billing. This means that...
bills are sent to the email address on file.
Our records indicate a bill was generated for $53.67 due December 1, 2014. After no payment was received a Notice of Cancellation (NOC) was sent for $63.67 due December 25, 2014 or the policy would cancel effective December 26, 2014.
There was no payment received and the policy cancelled effective December 26, 2014. A refund of $61.78 was sent to the address on file and cashed on January 29, 2015.
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
If you require further assistance, please contact our [redacted], Cathy D[redacted], at ###-###-#### or by email at
Sincerely,
Erica D[redacted]
Thank you for the opportunity to respond to Ms. [redacted] concerns regarding the above referenced auto policy. Nationwide understands that the insured may be going through some financial hardships, but we are legally obligated to apply our nonpayment of premium rules consistently to all...
policyholders. We are required by state statute to send all billing notices and nonpayment of premium notices to the last known address provided on the policy. We sent the billing notice on May 8, 2017 and the warning letter for non pay on May 18, 2017 to the address currently listed on her policy. The last date of payment was June 4, 2017. Payment was made on June 4, 2017, but was returned due to an invalid payment. Therefore, the policy cancelled for non payment of premium effective June 4, 2017 While the insured's circumstances are unfortunate, the Company does not get involved in an insured's personal business and therefore can not make any exceptions due to her current personal situation. Due to the payment history on the policy, she is not eligible for reinstatement. Sincerely, Kristin M[redacted] Personal Lines Compliance Specialist
This letter is in response to the complaint filed with your agency by [redacted] regarding her automobile policy. Our records indicate the policy was written with an effective date of January 1, 2016. The policy was cancelled at the request of Ms. [redacted] effective March 15, 2016, with a balance...
due of $282.10. Nationwide issued two separate bills to the name and address on file following the cancellation of the policy.Due to the lack of receipt of payment Nationwide sent the balance due to a third party for collection. Attached please find copies of the bills mailed by Nationwide prior to the balance being turned over to collections. The balance due reflects premium owed up until the time of cancellation.If you require further assistance, please contact our [redacted], Janice K[redacted] direct at ###-###-#### or by email at [redacted]Sincerely,Colleen F[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. [redacted] Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck.
Understand we are in a Rental car for $35/day since this has been drug out for over 60 days!
Regards,
[redacted] [redacted]
Thank you for the opportunity to respond to the complaint filed by Mr. [redacted] regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company ([redacted]). We have reviewed the concerns expressed by Mr. [redacted] and will attempt to address them in this...
letter.Homeowner Policy ######## On August 13, 2010 notification of non-renewal was mailed to Mr. [redacted] advising that his homeowner policy would be non-renewed effective September 30, 2010 as a result of him no longer meeting our eligibility requirements for our homeowner program. Mr. [redacted] had more than one weather related and one non-weather related loss within the past three years. There was no remaining balance due on the homeowner policy. Dwelling Fire Policy######## On September 7, 2011 a billing statement was mailed to Mr. [redacted] to the last known address on file, requesting payment of $85.89. Payment needed to be received by our Company by October 1, 2011 in order to prevent cancellation of the dwelling fire policy. Payment was not received by the requested due date. On October 7, 2011 Notice of Cancellation was mailed to Mr. [redacted] to the last known address on file, informing Mr. [redacted]hat payment of $85.89 be received by October 18, 2011. Payment was not received and as a result his dwelling fire policy cancelled effective October 19, 2011. A copy of the notification of cancellation is attached for your reference. Coverage was provided under policy 6341T471701 for Mr. [redacted] from December 30, 2010 until it cancelled effective October 19, 2011. Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67. On October 25, 2011 a billing statement was mailed to Mr. [redacted] requesting payment of $99.67 by November 13, 2011 for the remaining outstanding balance. A copy of the billing statement is attached for your reference. Payment was not received by the requested due date and sent to collections on December 13, 2011. We appreciate the opportunity to review Mr. [redacted]’s business, and hope that this information will help to address his concerns. If you require further assistance, please contact our [redacted], Jose L[redacted], at ###-###-#### or by email at [redacted]Sincerely, Jennifer F[redacted]
Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W[redacted]. I reviewed the complaint and the claim file and would like to address Mr. W[redacted]’s concerns. This claim was handled under a Farmowner’s Policy underwritten by Nationwide...
Agribusiness Insurance (Nationwide). This policy originally incepted on November 11, 2009. On April 21, 2017, Mr. W[redacted] had a 2017 [redacted] with Loader B4122 & Mower added to the policy. The tractor had a limit of $21,050.00 and a deductible of $2,500.00. A claim was reported for a loss on July 19, 2017. Claims Specialist Michael Charles C[redacted] spoke with Mr. W[redacted] on July 20th to discuss the details of the loss. Mr. W[redacted] explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage. There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel. Mr. C[redacted] went over the coverages which included $10,000.00 in rental, $5,000.00 for Extra Expense/Continuing Operations, and a $2,500.00 deductible. An inspection would be performed to evaluate the damages. On July 25th, Mr. C[redacted] spoke with Mr. W[redacted] and Mr. W[redacted] advised that there was a dispute over the amount of the deductible. Until the dispute was settled, he didn’t want to move forward with the claim. An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as Mr. W[redacted] had not intended for the deductible to be $2,500.00. On August 11th, Mr. C[redacted] contacted Mr. W[redacted] and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent. The deductible would remain at $2,500.00. Mr. W[redacted] was upset and did not want anything done on the claim. He advised that he intended to contact the Revdex.com, the Department of Insurance, and [redacted]. On August 15th, Mr. C[redacted] spoke with Mr. W[redacted] again. He went over the settlement with him. The repair estimate came to $3,436.22. After the deductible of $2,500.00 was taken, Nationwide owed a balance of $936.22. Mr. C[redacted] advised that he would be issuing a payment to Mr. & Ms. W[redacted] and their repair facility for $936.22. The payment was issued on August 18, 2017 (check #[redacted]) to Heather & Dan W[redacted] & [redacted]. The claim is now closed. If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S[redacted] at ###-###-#### or via e-mail at [redacted]. Sincerely, Julie C[redacted] Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
The information in the response from Nationwide in inaccurate. I applied for the loan online on November 16, 2015 and didn't receive the requested amount until Monday, December 14, 2015 (nearly 1 month later). I have attached a copy of two pictures: the first showing acknowledgement from Nationwide on November 24th and the second showing the numerous amount of times the loan needed to be cancelled/resubmitted. The information I received from Nationwide was that the third party administrator ([redacted]) was at fault. When everything was finalized, it is obviously the burden of responsibility lies with Nationwide. It is apparent to me that Nationwide does not have the ability to handle individual issues as they arise. They were more interested in bickering with the third party administrator than resolving the issue. It is completely unacceptable the way everything was handled. I applied for the loan giving myself (what should have been) plenty of time to have it for Christmas shopping. I'm a single mother and not knowing when or if I would receive the money was not only frustrating but aggravating. Do I expect someone at Nationwide to drop everything and work on my problem? Yes, I do!! As of the end of November, the loan had been approved by my employer, the third party administrator and by Nationwide itself. However, it took until December 15th to finally receive the deposit. I am now stuck paying additional shipping charges in order to guarantee Christmas delivery and some items are out of stock and now not available. I couldn't be more disappointed in the way Nationwide handled the entire transaction.
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address his concerns about the policy. On 01/12/2017, Mr. [redacted] started a six-month, 25% down payment personal auto policy through the Lawrence Agency...
Incorporated. The policy cancelled on 02/26/2017 for non-payment of the first installment bill, due on 02/12/2017. On 01/14/2017, the system erroneously sent a memo to both Mr. [redacted] and the Lawrence Agency Inc. advising that a Mississippi driver’s license was required. The error has since been addressed and corrected in the system, and on 01/31/2017 underwriting logged off the memo so no follow up actions would be taken on Mr. [redacted]’ policy. On 02/10/2017, underwriting received an error notification from the Rhode Island Division of Motor Vehicles in regards to the VIN number provided on Mr. [redacted]’ policy. The memo that was sent to Mr. [redacted] on 02/11/2017 requested the VIN be verified with the member service center. It also advised that the error may indicate the vehicle is not registered with the state. At no point in this memo or at any point moving forward was Mr. [redacted]’ policy set up for cancellation due to the vehicle registration or his driver’s license. On 04/03/2017, the agency contacted the member service center to advise that Mr. [redacted] was unable to get his vehicle registered with the state of Rhode Island, and requested to have the policy cancelled back to inception. The Member Care Representative advised that we would need a signed cancellation request from Mr. [redacted] to complete the request. The agent was also advised that any funds owed back to Mr. [redacted] would be mailed to him in the form of a check. At no point during this conversation is the amount of the refund discussed. On 04/03/2017 the signed cancellation request was received by the member service center. As per our underwriting guidelines, processing sent a memo to both Mr. [redacted] and the Lawrence Agency Inc. advising that additional proof was required to complete the cancellation due to the requested date being more than 30 days in the past. However, because Mr. [redacted]’ agent was advised a signed cancellation request was needed with nothing further to cancel, we have gone ahead and re-cancelled Mr. [redacted]’ policy to his requested date of 01/12/2017. He will be receiving a check in the mail for $303.10. Mr. [redacted] mentions in his statement that he tried contacting Nationwide directly in January in regards to the memos he had received and that no one ever returned his call. The member service center does not have an after-hours message system in place, and there is no record of Mr. [redacted] calling the member service center. I trust that I have addressed the issues within Mr. [redacted]’ complaint. If you require further assistance, please contact me, Charity W[redacted], at ###-###-#### or by email at [email protected]. Sincerely, Jillian J[redacted] Analyst, Process Management