the company's response is false. I had never canceled my policy. I am a new mother of three! and have no time for canceling or researching new companies, nor signing up with anyone. Instead, I had received a letter from the company stating they will no longer continue my policy at the same rate. Then they proceeded to send me packets and packets of papers to sign for a more expensive policy, which is obscene on more than one level. After I paid my last bill online (and the website showed zero remaining balance when I did so), I was forced to buy new policy from a new company, at a cheaper rate. Therefore, I do NOT owe any money to anyone.
Obviously, someone does not know how to read doctor's notes. The note on 7/30/16 clearly states that she has laryngeal paralysis and that the lateral chest X-ray shows a normal cardiac silhouette. At no place in the 7/30/16 notes was pneumonia even mentioned. As I mentioned when I spoke to the rep, I never had these issues when it was VPI and now that it has been taken over by Nationwide, I am having issues. I am hugely disappointed in Nationwide. They have lost a customer since I will not be insuring my new puppy with them. I will also not recommend Nationwide to friends, family, and other dog training professionals. So much for being a loyal customer for 15 years.
Regards, [redacted]
We have received a request to review your claim as it pertains to your concerns with the vehicle repairs and rental charges. As was discussed with you in November 2016, the decal originally installed by the manufacturer on your vehicle has been discontinued and a replacement decal is provided...
through Ford. We realize the replacement decal is not the same as was on the vehicle. Unfortunately this is not something we can resolve, as the original decal is no longer available. The shop has issued payment to you for the decal and labor, and a check is included with this communication. We will also send you payment to allow for one (1) day of rental, which will be required to install another decal should you chose to go this route.As for the cost you incurred for Collision Deductible Waiver (CDW) when you obtained the rental vehicle from Enterprise, we would owe this if you do not have collision coverage on the vehicle involved in the loss. We will be happy to reimburse you for this cost but will need a copy of your policy declaration page to show you had no collision coverage during the time the rental was obtained.Thank you for choosing us for your important insurance protection. If you have any questions or concerns, please contact me at ###-###-#### or ###-###-####.Sincerely,Chris F[redacted]
[redacted]
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I was informed via email on March 27th that my claim was reprocessed and that I would be receiving the reimbursements as indicated. It is unfortunate that it took more than two months to resolve this issue with a lot of time invested and much aggravation but I appreciate that it has been resolved and thank the Revdex.com for acting so quickly on my behalf. I look forward to receiving my reimbursement checks soon as I have been out of pocket for this expense for some time now.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
This letter is in response to the rejected offer made by Nationwide Insurance regarding the complaint dated May 12, 2016.With the insured’s policy a total credit in the amount of $1,335.75 was placed on the policy for prior taxes that were collected on the insurance policy. However, as the policy...
did have a balance for the current insurance term, this credit paid for the remaining balance due on the current term and a refund was issued for the remaining $566.58 of credit.As the insured has since cancelled the insurance policy effective June 1, 2016 a second refund was issued in the amount of $804.72 for unearned premium and was mailed on June 7, 2016. A billing breakdown has been included detailing how the credit was applied to the account.If you require further assistance, please contact our [redacted], Sharon W[redacted], at ###-###-#### or by email at [redacted] .Sincerely,Stephen Y[redacted]
Thank you for contacting us on this matter and providing us with an opportunity to respond. We have researched the inquiry and we have no record of Ms. [redacted] payment.Notwithstanding her complaint, we are further investigating this matter to ensure that we have addressed all of Ms. [redacted]...
concerns.If you need further assistance, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Regards,Laura A. H[redacted]
The auto policy increased $60.20 at the February 15, 2016 renewal. The increase is a result of a territory base rate adjustment, filed before the Maryland Insurance Administration, effective January 1, 2016. Rate adjustments are not reflective of anything a member specifically does, but rather a...
decision based on the insurance data we receive for the entire territory. Territory base rate increases are typically a result of increased claims in the area in addition to the increasing cost of medical treatment and repairs. We certainly understand and share the insured's concerns regarding premium increases. We have done our best to control expenses, and be fair and equitable on claim payments. Our objective is to provide the best possible products and services at the lowest possible price that we can while maintaining our claims and customer service that is expected from Nationwide. The Company cannot adjust the premium as the insured requested. The Company's rating structure is filed with the state and we are required to apply our rates uniformly and consistently. However, the Company continually develops new programs and discounts which may reduce the insured's premium. I recommend that the insured contact her Nationwide Insurance agent to complete an “On your side” care review to verify she is receiving all the benefits and lowest premium that Nationwide Insurance has to offer. Thank you, Shari D[redacted] Compliance Consultant Nationwide Insurance Company
Good morning Ms. [redacted]In reviewing the history of the Nationwide Visa Buxx card referenced in your complaint, the card in the name of[redacted], which you funded, was closed with available funds remaining on the card. With the card in aclosed status, it is not possible to refund the card...
balance to the funding account. However, a check was issuedto you and mailed to the address shown above on October 14, 2015. That check has not been cashed. We haveplaced a stop payment on that check and issued another check on November 30, 2015.With regard to a delay in responding to your request, our records do indicate multiple telephone calls. We arecontinuing to research the repeated efforts made on your part to resolve this situation, and are addressing anyfailure to log and escalate telephone calls appropriately. We do certainly apologize for any lapse in service oreffective communication.Ms. [redacted], you indicated that your desired settlement would be to have the remaining balance on the card bereturned to the funding card. Again, because the Buxx card has been closed, the only delivery method availableto return funds is via check. The check was issued a second time on November 30, in the amount of $447.07. Aswe ask our customers to allow seven to ten business days to receive a mailing fmm Nationwide Bank, it ispossible that you have not yet received the check.Again, please accept our apology for the poor service that you received in this situation. This does not representthe level of service that you should expect from Nationwide Bank. We appreciate your feedback and theopportunity to review and improve our processes.Sincerely,Anne L. C[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted]. I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about it. It seems the only way one can afford to have homeowner's insurance is if it is never actually used. A significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in general. The premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymore.I suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance. That way, the consumer can at least have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for. I prefer to make informed decisions, but this is impossible when dealing with Nationwide. The agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the future. I was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone. If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhere. I fear I would only be trading one set of headaches for another however.
Regards, [redacted]
In response to your request to address a complaint filed by 3rd Party Claimant [redacted], please be advised after attempts to reach Ms. [redacted] on Friday, July 29, 2016 I was able to speak with her today concerning her claim. Ms. [redacted]’s concern stems from the estimate written by...
Material Damage Associate Chris R[redacted], which includes non new OEM parts. Ms. [redacted] explained use of these parts would void the manufacturer’s certification of her vehicle. Ms. [redacted] explained that [redacted], employee with [redacted] informed her that the alternative parts would not fit properly. I explained to Ms. [redacted] that if the parts included on our estimate are not equivalent in fit, finish, quality, safety and performance we would adjust the estimate to include parts that would comply with these requirements. I advised we warranty these parts for the lifetime that she owns the vehicle, so long as they are purchased from the vendor listed on our estimate. I explained if the parts do not fit we will inspect and replace as warranted. I also advised that based on the fact the shop has ordered the parts listed on our estimate (as told to me by Ms. [redacted]) I will extend the rental for her until Friday, August 5, 2016 pending completion of repairs. I also advised I would ask Mr. R[redacted] to check in with shop throughout the week of August 1, 2016 to make sure repairs are being completed so Ms. [redacted] can receive her vehicle back as quickly as possible. I provided Ms. [redacted] with my direct cell number and name. We ended the conversation with Ms. [redacted] voicing her satisfaction with my follow up.If you require further assistance, please contact our [redacted], Christine G[redacted], at ###-###-#### or by email at [redacted]Feel free to reach out to me at ###-###-#### if you have any questions or need further information.Respectfully,Pamela A[redacted]
I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,2015 which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $626.95 of the $1505.57 that was taken from escrow. The $626.95 came from yet another change due to over charging on the garage square footage. On Sept. 14, 2015 I spoke with B L[redacted] (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept. 15,2015 he called me back and said the deduction was approved by the underwriter. So, Mr. P[redacted], you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D[redacted] ( Nationwide agent) The increase was for 4188 square feet not the actual 2981 square feet of the house. That is obviously "largely" incorrect. If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for 10 months then you back dated to give me the higher deductible effective October 23, 2014 that means my premium is lower. Therefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $626.95 went.Simple math:October 23, 2014 premium $2759.32 Money pulled from escrow $1505.57 = $4264.89. July 09 dwelling change new premium $3774.04 ($490.85 difference in premium I was refunded $184.20...) July 30,2015 deductible change new premium $3409.56 ( difference from July 9 is $364.48 I was refunded $86.83) Aug 25 dwelling change (square footage) new premium $2982.49 (difference 427.07 I was refunded $427.07) Final premium as of now Sept 21 $2939.81 (difference $42.68, no refund) From beginning to end it was only a $180.49 difference in premium 9-21-2015, $2939.81-$2759.32 (original Oct 2014) = $180.49.. I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$698.10 refunds - $180.49 final premium increase =$626.98 owed to me. If you could justify where the $626.98 went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $1505.57 and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the [redacted] Insurance Commissioner to have D D[redacted]/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $626.98 from a multi million dollar company.
Regards, [redacted]
Thank you for the opportunity to respond to the Revdex.com regarding policy number[redacted] for [redacted] and to address [redacted]’s concerns about his policy.On 01/12/2017, Ms. [redacted] and Mr. [redacted] received an auto insurance quote from the [redacted]...
Agency, for a Titan Indemnity Company DBA Nationwide Insurance Company. Thisquote listed both [redacted] and [redacted] as rated drivers and included two vehicles. Thefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms. [redacted] decided to purchase a policy and opted to pay the full premium of$2,488.74 as a ‘paid in full’ bill option. The policy was written and bound with only Ms. [redacted] listed as arated driver as Mr. [redacted] did not yet have an American drivers’ license. After the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstated. Therefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $116.26. The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page. (See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse:[redacted], to a rated driver effective 01/19/2017, since Mr. [redacted] had obtained his American drivers’license. This increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been run. The reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is made. The initial quote provided was a non-credit basedtraditional product. However, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,674.73 which includes both [redacted] and[redacted] as rated drivers. (See “Revised Dec” attached). When this premium adjustment wasdiscussed with Mr. [redacted], he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers). His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional information. As a courtesy for Mr. [redacted], an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premium. However, Mr. [redacted]declined the offer.Finally, I want to bring to your attention that on page 19 of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premium. It does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W[redacted] 216 896 7088 or by email at [redacted].Sincerely,Stephanie F[redacted]
I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $200 bonus. She has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per household.I do...
apologize for our error. The bonus has been posted to the checking account. We appreciate the opportunityto research and correct our error.Sincerely,Anne C[redacted]Nationwide Bank
This
letter is in response to the inquiry received from your office on November 11,
Nationwide
received a claim on November 3, for damage to a shower door in Mr[redacted]'
homeThe claim was assigned to Malik B[redacted] for handlingThe quote for the
shower door was received on November 4, The assigned associate was then
out of the office from November until November 9, Upon his return,
payment was issued and the file concluded
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,
Matt
G[redacted]
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the above referenced policy with Nationwide Mutual Insurance Company. We have reviewed the concerns expressed by Mrs. [redacted], and will attempt to address them in this letter.
[redacted] has had...
her auto policy with our Company since August 14, 2014. Our Company mailed Mrs. [redacted] her auto renewal on July 14, 2015 informing her that the renewal premium would be $1,368.80. A claim was filed with our Company by Mrs. [redacted] for a loss that occurred on July 24, 2015. Within the claims investigation, we found that an unlisted driver, [redacted], was driving at the time of the loss and is a regular operator of Mrs. [redacted]’s vehicles. Based on our Company’s business best practices, [redacted] was added to the auto policy as a principle operator effective July 25, 2015. Notification was mailed to Mrs. [redacted] on October 22, 2015 to inform her of this change. An additional premium of $1,050.50 was applied to the account and the updated policy declarations was mailed to Mrs. [redacted] on October 30, 2015. A copy of the change notification, renewal and revised policy declarations are attached for your reference.
On November 6, 2015 our Company updated [redacted]’s date of birth from January 1, 2015 to August 28, 1991, in addition to updating her as an occasional operator instead of a principle operator effective July 25, 2015. This change generated a reduction in premium of $433.80. A copy of the revised policy declarations mailed to Mrs. [redacted] on November 9, 2015 is attached for your reference.
[redacted]’s auto policy cancelled effective November 12, 2015 per her request. On November 30, 2015 a final bill was mailed to Mrs. [redacted] advising a payment of $335.23 was due for coverage provided up to the date of cancellation. Payment was not received by December 15, 2015, hence a collection notification was mailed to Mrs. [redacted] on December 16, 2015 requesting payment of $335.23 by January 14. 2016. A copy of the final bill and collection notice is attached for your reference.
The collection balance of $335.23 was for coverage provided for [redacted], from July 25, 2015 to November 12, 2015. In review of this case, we are unable waive the $335.23 for coverage provided up to the date of cancellation on Mrs. [redacted]’s auto policy with our Company.
We appreciate the opportunity to review [redacted]’s auto policy and hope the information will help to address her concerns.
If you require further assistance, please contact our [redacted], Cathy D[redacted], at ###-###-#### or by email at [redacted].
Sincerely,
Thomas K. G[redacted]
Nationwide Insurance
###-###-####
Email: [redacted]
Enclosures: Change Notification
Policy Declarations
Final Bill
Collection Notice
Breakdown
Kindly allow this letter to represent the [redacted] Insurance Company (“[redacted]”) response to a complaint dated August 26, 2015 on behalf of [redacted]. We understand you have identified that complaint as Complaint Number 10783102, as captioned above.[redacted] wishes to first inform you...
that it has no knowledge of [redacted] or how precisely Ms. [redacted] may have interest in the loss notice that [redacted] received relative to the incident that took place on the insured premises on October 11, 2014.[redacted] had sold a general liability policy to [redacted] that was in force on October 11, 2014. The policy provides liability insurance coverage for accidents on and about the premises. Mr. [redacted] is in the residential property business doing business in the Eugene, Oregon, area, as “Synthesis”. While Mr. [redacted], as land owner, owes certain legal duties to tenants and their guests, the circumstances surrounding this incident, as explained below, do not suggest that Mr. [redacted] would have liability exposure to either his tenant, [redacted] II (“[redacted]”), or [redacted]’s guest, [redacted] (“[redacted]”). Without such liability, [redacted] would not owe moneys under its liability policy sold to Mr. [redacted].[redacted] received a loss notice relative to the incident and its investigation revealed that [redacted], a tenant at the insured location for over two years, was hosting his girlfriend, [redacted], on the date of the incident. [redacted] and [redacted] had elected to step outside onto the porch having both consumed around 5 to 6 beers that were then chased by around 4 shots of cinnamon whiskey by the both of them, all prior to the incident. During the [redacted] investigation, [redacted] informed the investigator that, while on the outdoor porch, he had fallen off the porch after he and [redacted] had consumed the beer and whiskey. His memory was very limited, likely stemming from the fact that he was inebriated at the time of the incident. Either the fall, or possibly his impairment from intoxication, caused [redacted] to lose consciousness for an unknown period of time. When [redacted] came around some time later, he realized that [redacted], who was presumably also unconscious, was atop him suggesting that she, like [redacted], may have also fallen in a similar fashion. Both [redacted] and [redacted] were then transported to an emergency room with [redacted] having sustained a laceration about the head and a broken toe while [redacted] had sustained fractured ribs, a punctured lung, a fractured clavicle and a concussion.[redacted] advised the [redacted] investigator that both he and [redacted] were very familiar with the outdoor porch from where apparently they both fell as they had on numerous prior times smoked cigarettes while outside on this very same porch. Again, [redacted] had been a tenant with Mr. [redacted] at this location for over two years. There was no evidence that the porch was anything other than stable and completely in tact. Similarly, the property manager for this location also advised the [redacted] investigator that there is no history of individuals falling from the porch in this or any other manner.[redacted], through its independent investigator, made contact with [redacted] but she refused to meet with or provide any information to the investigator.[redacted] later advised the [redacted] investigator that he would not be pursuing a claim against the [redacted] policyholder, Mr. [redacted].As [redacted] never cooperated in the [redacted] investigation causing [redacted] to believe [redacted] was not making claim, and with [redacted] having advised [redacted] that he would not be making claim against Mr. [redacted], [redacted] closed its claim file.[redacted] stands ready to handle any claim that either [redacted] or [redacted] may choose to pursue against Mr. [redacted] however the circumstances surrounding this incident hardly suggest that Mr. [redacted] is liable for the injuries that either [redacted] or [redacted] sustained.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at [redacted]@nationwide.com.
Nationwide received the Revdex.com complaint that was submitted on 11/3/16. Several business units will be involved, in order to resolve this case. Unfortunately, we will be unable to meet the initial deadline date of 11/9/16. Nationwide is asking for a 10 day extension, or November 19, 2016. Please...
confirm by responding to this email that the extension has been granted. The resolution response will be provided earlier, if all issues have been addressed.Enjoy your day.Thank you Barb D[redacted]Customer Advocacy Coordinator W ###-###-#### | F ###-###-#### [redacted]
Well I think this is something that should be told to individuals when they plan to get due dates changed because most people will get due dates that are closer to their pay dates. So anybody that has this issue of changing their due dates to meet automatic withdrawl, is doomed to be punished with fees because their policies will show differently.
I am rejecting this response because: was lied to at start of sale that I had vanishing deduction at start of process.
Regards,
[redacted]
the company's response is false. I had never canceled my policy. I am a new mother of three! and have no time for canceling or researching new companies, nor signing up with anyone. Instead, I had received a letter from the company stating they will no longer continue my policy at the same rate. Then they proceeded to send me packets and packets of papers to sign for a more expensive policy, which is obscene on more than one level. After I paid my last bill online (and the website showed zero remaining balance when I did so), I was forced to buy new policy from a new company, at a cheaper rate. Therefore, I do NOT owe any money to anyone.
Obviously, someone does not know how to read doctor's notes. The note on 7/30/16 clearly states that she has laryngeal paralysis and that the lateral chest X-ray shows a normal cardiac silhouette. At no place in the 7/30/16 notes was pneumonia even mentioned. As I mentioned when I spoke to the rep, I never had these issues when it was VPI and now that it has been taken over by Nationwide, I am having issues. I am hugely disappointed in Nationwide. They have lost a customer since I will not be insuring my new puppy with them. I will also not recommend Nationwide to friends, family, and other dog training professionals. So much for being a loyal customer for 15 years.
Regards, [redacted]
We have received a request to review your claim as it pertains to your concerns with the vehicle repairs and rental charges. As was discussed with you in November 2016, the decal originally installed by the manufacturer on your vehicle has been discontinued and a replacement decal is provided...
through Ford. We realize the replacement decal is not the same as was on the vehicle. Unfortunately this is not something we can resolve, as the original decal is no longer available. The shop has issued payment to you for the decal and labor, and a check is included with this communication. We will also send you payment to allow for one (1) day of rental, which will be required to install another decal should you chose to go this route.As for the cost you incurred for Collision Deductible Waiver (CDW) when you obtained the rental vehicle from Enterprise, we would owe this if you do not have collision coverage on the vehicle involved in the loss. We will be happy to reimburse you for this cost but will need a copy of your policy declaration page to show you had no collision coverage during the time the rental was obtained.Thank you for choosing us for your important insurance protection. If you have any questions or concerns, please contact me at ###-###-#### or ###-###-####.Sincerely,Chris F[redacted]
[redacted]
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I was informed via email on March 27th that my claim was reprocessed and that I would be receiving the reimbursements as indicated. It is unfortunate that it took more than two months to resolve this issue with a lot of time invested and much aggravation but I appreciate that it has been resolved and thank the Revdex.com for acting so quickly on my behalf. I look forward to receiving my reimbursement checks soon as I have been out of pocket for this expense for some time now.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
This letter is in response to the rejected offer made by Nationwide Insurance regarding the complaint dated May 12, 2016.With the insured’s policy a total credit in the amount of $1,335.75 was placed on the policy for prior taxes that were collected on the insurance policy. However, as the policy...
did have a balance for the current insurance term, this credit paid for the remaining balance due on the current term and a refund was issued for the remaining $566.58 of credit.As the insured has since cancelled the insurance policy effective June 1, 2016 a second refund was issued in the amount of $804.72 for unearned premium and was mailed on June 7, 2016. A billing breakdown has been included detailing how the credit was applied to the account.If you require further assistance, please contact our [redacted], Sharon W[redacted], at ###-###-#### or by email at [redacted] .Sincerely,Stephen Y[redacted]
Thank you for contacting us on this matter and providing us with an opportunity to respond. We have researched the inquiry and we have no record of Ms. [redacted] payment.Notwithstanding her complaint, we are further investigating this matter to ensure that we have addressed all of Ms. [redacted]...
concerns.If you need further assistance, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Regards,Laura A. H[redacted]
The auto policy increased $60.20 at the February 15, 2016 renewal. The increase is a result of a territory base rate adjustment, filed before the Maryland Insurance Administration, effective January 1, 2016. Rate adjustments are not reflective of anything a member specifically does, but rather a...
decision based on the insurance data we receive for the entire territory. Territory base rate increases are typically a result of increased claims in the area in addition to the increasing cost of medical treatment and repairs. We certainly understand and share the insured's concerns regarding premium increases. We have done our best to control expenses, and be fair and equitable on claim payments. Our objective is to provide the best possible products and services at the lowest possible price that we can while maintaining our claims and customer service that is expected from Nationwide. The Company cannot adjust the premium as the insured requested. The Company's rating structure is filed with the state and we are required to apply our rates uniformly and consistently. However, the Company continually develops new programs and discounts which may reduce the insured's premium. I recommend that the insured contact her Nationwide Insurance agent to complete an “On your side” care review to verify she is receiving all the benefits and lowest premium that Nationwide Insurance has to offer. Thank you, Shari D[redacted] Compliance Consultant Nationwide Insurance Company
Good morning Ms. [redacted]In reviewing the history of the Nationwide Visa Buxx card referenced in your complaint, the card in the name of[redacted], which you funded, was closed with available funds remaining on the card. With the card in aclosed status, it is not possible to refund the card...
balance to the funding account. However, a check was issuedto you and mailed to the address shown above on October 14, 2015. That check has not been cashed. We haveplaced a stop payment on that check and issued another check on November 30, 2015.With regard to a delay in responding to your request, our records do indicate multiple telephone calls. We arecontinuing to research the repeated efforts made on your part to resolve this situation, and are addressing anyfailure to log and escalate telephone calls appropriately. We do certainly apologize for any lapse in service oreffective communication.Ms. [redacted], you indicated that your desired settlement would be to have the remaining balance on the card bereturned to the funding card. Again, because the Buxx card has been closed, the only delivery method availableto return funds is via check. The check was issued a second time on November 30, in the amount of $447.07. Aswe ask our customers to allow seven to ten business days to receive a mailing fmm Nationwide Bank, it ispossible that you have not yet received the check.Again, please accept our apology for the poor service that you received in this situation. This does not representthe level of service that you should expect from Nationwide Bank. We appreciate your feedback and theopportunity to review and improve our processes.Sincerely,Anne L. C[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted]. I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about it. It seems the only way one can afford to have homeowner's insurance is if it is never actually used. A significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in general. The premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymore.I suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance. That way, the consumer can at least have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for. I prefer to make informed decisions, but this is impossible when dealing with Nationwide. The agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the future. I was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone. If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhere. I fear I would only be trading one set of headaches for another however.
Regards, [redacted]
In response to your request to address a complaint filed by 3rd Party Claimant [redacted], please be advised after attempts to reach Ms. [redacted] on Friday, July 29, 2016 I was able to speak with her today concerning her claim. Ms. [redacted]’s concern stems from the estimate written by...
Material Damage Associate Chris R[redacted], which includes non new OEM parts. Ms. [redacted] explained use of these parts would void the manufacturer’s certification of her vehicle. Ms. [redacted] explained that [redacted], employee with [redacted] informed her that the alternative parts would not fit properly. I explained to Ms. [redacted] that if the parts included on our estimate are not equivalent in fit, finish, quality, safety and performance we would adjust the estimate to include parts that would comply with these requirements. I advised we warranty these parts for the lifetime that she owns the vehicle, so long as they are purchased from the vendor listed on our estimate. I explained if the parts do not fit we will inspect and replace as warranted. I also advised that based on the fact the shop has ordered the parts listed on our estimate (as told to me by Ms. [redacted]) I will extend the rental for her until Friday, August 5, 2016 pending completion of repairs. I also advised I would ask Mr. R[redacted] to check in with shop throughout the week of August 1, 2016 to make sure repairs are being completed so Ms. [redacted] can receive her vehicle back as quickly as possible. I provided Ms. [redacted] with my direct cell number and name. We ended the conversation with Ms. [redacted] voicing her satisfaction with my follow up.If you require further assistance, please contact our [redacted], Christine G[redacted], at ###-###-#### or by email at [redacted]Feel free to reach out to me at ###-###-#### if you have any questions or need further information.Respectfully,Pamela A[redacted]
I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,2015 which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $626.95 of the $1505.57 that was taken from escrow. The $626.95 came from yet another change due to over charging on the garage square footage. On Sept. 14, 2015 I spoke with B L[redacted] (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept. 15,2015 he called me back and said the deduction was approved by the underwriter. So, Mr. P[redacted], you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D[redacted] ( Nationwide agent) The increase was for 4188 square feet not the actual 2981 square feet of the house. That is obviously "largely" incorrect. If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for 10 months then you back dated to give me the higher deductible effective October 23, 2014 that means my premium is lower. Therefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $626.95 went.Simple math:October 23, 2014 premium $2759.32 Money pulled from escrow $1505.57 = $4264.89. July 09 dwelling change new premium $3774.04 ($490.85 difference in premium I was refunded $184.20...) July 30,2015 deductible change new premium $3409.56 ( difference from July 9 is $364.48 I was refunded $86.83) Aug 25 dwelling change (square footage) new premium $2982.49 (difference 427.07 I was refunded $427.07) Final premium as of now Sept 21 $2939.81 (difference $42.68, no refund) From beginning to end it was only a $180.49 difference in premium 9-21-2015, $2939.81-$2759.32 (original Oct 2014) = $180.49.. I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$698.10 refunds - $180.49 final premium increase =$626.98 owed to me. If you could justify where the $626.98 went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $1505.57 and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the [redacted] Insurance Commissioner to have D D[redacted]/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $626.98 from a multi million dollar company.
Regards, [redacted]
Thank you for the opportunity to respond to the Revdex.com regarding policy number[redacted] for [redacted] and to address [redacted]’s concerns about his policy.On 01/12/2017, Ms. [redacted] and Mr. [redacted] received an auto insurance quote from the [redacted]...
Agency, for a Titan Indemnity Company DBA Nationwide Insurance Company. Thisquote listed both [redacted] and [redacted] as rated drivers and included two vehicles. Thefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms. [redacted] decided to purchase a policy and opted to pay the full premium of$2,488.74 as a ‘paid in full’ bill option. The policy was written and bound with only Ms. [redacted] listed as arated driver as Mr. [redacted] did not yet have an American drivers’ license. After the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstated. Therefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $116.26. The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page. (See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse:[redacted], to a rated driver effective 01/19/2017, since Mr. [redacted] had obtained his American drivers’license. This increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been run. The reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is made. The initial quote provided was a non-credit basedtraditional product. However, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,674.73 which includes both [redacted] and[redacted] as rated drivers. (See “Revised Dec” attached). When this premium adjustment wasdiscussed with Mr. [redacted], he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers). His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional information. As a courtesy for Mr. [redacted], an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premium. However, Mr. [redacted]declined the offer.Finally, I want to bring to your attention that on page 19 of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premium. It does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W[redacted] 216 896 7088 or by email at [redacted].Sincerely,Stephanie F[redacted]
I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $200 bonus. She has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per household.I do...
apologize for our error. The bonus has been posted to the checking account. We appreciate the opportunityto research and correct our error.Sincerely,Anne C[redacted]Nationwide Bank
This
letter is in response to the inquiry received from your office on November 11,
Nationwide
received a claim on November 3, for damage to a shower door in Mr[redacted]'
homeThe claim was assigned to Malik B[redacted] for handlingThe quote for the
shower door was received on November 4, The assigned associate was then
out of the office from November until November 9, Upon his return,
payment was issued and the file concluded
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,
Matt
G[redacted]
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the above referenced policy with Nationwide Mutual Insurance Company. We have reviewed the concerns expressed by Mrs. [redacted], and will attempt to address them in this letter.
[redacted] has had...
her auto policy with our Company since August 14, 2014. Our Company mailed Mrs. [redacted] her auto renewal on July 14, 2015 informing her that the renewal premium would be $1,368.80. A claim was filed with our Company by Mrs. [redacted] for a loss that occurred on July 24, 2015. Within the claims investigation, we found that an unlisted driver, [redacted], was driving at the time of the loss and is a regular operator of Mrs. [redacted]’s vehicles. Based on our Company’s business best practices, [redacted] was added to the auto policy as a principle operator effective July 25, 2015. Notification was mailed to Mrs. [redacted] on October 22, 2015 to inform her of this change. An additional premium of $1,050.50 was applied to the account and the updated policy declarations was mailed to Mrs. [redacted] on October 30, 2015. A copy of the change notification, renewal and revised policy declarations are attached for your reference.
On November 6, 2015 our Company updated [redacted]’s date of birth from January 1, 2015 to August 28, 1991, in addition to updating her as an occasional operator instead of a principle operator effective July 25, 2015. This change generated a reduction in premium of $433.80. A copy of the revised policy declarations mailed to Mrs. [redacted] on November 9, 2015 is attached for your reference.
[redacted]’s auto policy cancelled effective November 12, 2015 per her request. On November 30, 2015 a final bill was mailed to Mrs. [redacted] advising a payment of $335.23 was due for coverage provided up to the date of cancellation. Payment was not received by December 15, 2015, hence a collection notification was mailed to Mrs. [redacted] on December 16, 2015 requesting payment of $335.23 by January 14. 2016. A copy of the final bill and collection notice is attached for your reference.
The collection balance of $335.23 was for coverage provided for [redacted], from July 25, 2015 to November 12, 2015. In review of this case, we are unable waive the $335.23 for coverage provided up to the date of cancellation on Mrs. [redacted]’s auto policy with our Company.
We appreciate the opportunity to review [redacted]’s auto policy and hope the information will help to address her concerns.
If you require further assistance, please contact our [redacted], Cathy D[redacted], at ###-###-#### or by email at [redacted].
Sincerely,
Thomas K. G[redacted]
Nationwide Insurance
###-###-####
Email: [redacted]
Enclosures: Change Notification
Policy Declarations
Final Bill
Collection Notice
Breakdown
Kindly allow this letter to represent the [redacted] Insurance Company (“[redacted]”) response to a complaint dated August 26, 2015 on behalf of [redacted]. We understand you have identified that complaint as Complaint Number 10783102, as captioned above.[redacted] wishes to first inform you...
that it has no knowledge of [redacted] or how precisely Ms. [redacted] may have interest in the loss notice that [redacted] received relative to the incident that took place on the insured premises on October 11, 2014.[redacted] had sold a general liability policy to [redacted] that was in force on October 11, 2014. The policy provides liability insurance coverage for accidents on and about the premises. Mr. [redacted] is in the residential property business doing business in the Eugene, Oregon, area, as “Synthesis”. While Mr. [redacted], as land owner, owes certain legal duties to tenants and their guests, the circumstances surrounding this incident, as explained below, do not suggest that Mr. [redacted] would have liability exposure to either his tenant, [redacted] II (“[redacted]”), or [redacted]’s guest, [redacted] (“[redacted]”). Without such liability, [redacted] would not owe moneys under its liability policy sold to Mr. [redacted].[redacted] received a loss notice relative to the incident and its investigation revealed that [redacted], a tenant at the insured location for over two years, was hosting his girlfriend, [redacted], on the date of the incident. [redacted] and [redacted] had elected to step outside onto the porch having both consumed around 5 to 6 beers that were then chased by around 4 shots of cinnamon whiskey by the both of them, all prior to the incident. During the [redacted] investigation, [redacted] informed the investigator that, while on the outdoor porch, he had fallen off the porch after he and [redacted] had consumed the beer and whiskey. His memory was very limited, likely stemming from the fact that he was inebriated at the time of the incident. Either the fall, or possibly his impairment from intoxication, caused [redacted] to lose consciousness for an unknown period of time. When [redacted] came around some time later, he realized that [redacted], who was presumably also unconscious, was atop him suggesting that she, like [redacted], may have also fallen in a similar fashion. Both [redacted] and [redacted] were then transported to an emergency room with [redacted] having sustained a laceration about the head and a broken toe while [redacted] had sustained fractured ribs, a punctured lung, a fractured clavicle and a concussion.[redacted] advised the [redacted] investigator that both he and [redacted] were very familiar with the outdoor porch from where apparently they both fell as they had on numerous prior times smoked cigarettes while outside on this very same porch. Again, [redacted] had been a tenant with Mr. [redacted] at this location for over two years. There was no evidence that the porch was anything other than stable and completely in tact. Similarly, the property manager for this location also advised the [redacted] investigator that there is no history of individuals falling from the porch in this or any other manner.[redacted], through its independent investigator, made contact with [redacted] but she refused to meet with or provide any information to the investigator.[redacted] later advised the [redacted] investigator that he would not be pursuing a claim against the [redacted] policyholder, Mr. [redacted].As [redacted] never cooperated in the [redacted] investigation causing [redacted] to believe [redacted] was not making claim, and with [redacted] having advised [redacted] that he would not be making claim against Mr. [redacted], [redacted] closed its claim file.[redacted] stands ready to handle any claim that either [redacted] or [redacted] may choose to pursue against Mr. [redacted] however the circumstances surrounding this incident hardly suggest that Mr. [redacted] is liable for the injuries that either [redacted] or [redacted] sustained.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at [redacted]@nationwide.com.
Nationwide received the Revdex.com complaint that was submitted on 11/3/16. Several business units will be involved, in order to resolve this case. Unfortunately, we will be unable to meet the initial deadline date of 11/9/16. Nationwide is asking for a 10 day extension, or November 19, 2016. Please...
confirm by responding to this email that the extension has been granted. The resolution response will be provided earlier, if all issues have been addressed.Enjoy your day.Thank you Barb D[redacted]Customer Advocacy Coordinator W ###-###-#### | F ###-###-#### [redacted]
Well I think this is something that should be told to individuals when they plan to get due dates changed because most people will get due dates that are closer to their pay dates. So anybody that has this issue of changing their due dates to meet automatic withdrawl, is doomed to be punished with fees because their policies will show differently.