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 02/24/2015, Ms. [redacted]...
purchased a six month insurance policy with a bill plan of 20% down and 5 installments with an electronic funds transfer (EFT) automatic withdrawal.
On 02/26/2015, an underwriting memo was issued to Ms. [redacted] requesting her Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage selection form be signed and returned. The memo stated that if the forms were not received coverage would be added to the policy.
On 04/06/2015, no UM/UIM forms were received, stacked UM/UIM coverage was added and Ms. [redacted]’s premium increased $179.00. Ms. [redacted]’s installment payments increased from $64.85 to $109.60 to reflect the change in coverage.
On 05/20/2015, Ms. [redacted] contacted the service center to inquire as to the reason her premium increased and was informed that we never received her signed UM/UIM forms. The service center associate erroneously stated that the forms were recently received but had not been processed yet. Ms. [redacted] had requested to stop her EFT withdrawals as she was considered cancelling her policy. The service center associate should have informed Ms. [redacted] that the forms were received but were not valid as she had signed in conflicting sections, opting to elect and reject the coverage. The UM/UIM forms would need to be correctly signed in order to remove the stacked UM/UIM coverage.
On 06/02/2015, Ms. [redacted]’s policy cancelled for non-payment as her 05/27/2015 installment bill was not paid and her EFT withdrawals had been stopped at her request.
On 06/05/2015, Ms. [redacted] contacted the service center to discuss the billing on her policy. She was advised that her policy had cancelled on 06/02/2015 due to non-payment and that she could reinstate the policy no lapse in coverage with a verbal statement of no loss and a payment in the amount of $129.60. The reinstatement amount included the premium for the 05/27/2015 installment as well as a $20.00 reinstatement fee. Ms. [redacted] declined to make the payment.
We are happy to assist Ms. [redacted] reinstate her policy without the lapse in coverage but would need to collect the payment of $129.60. Once the policy is reinstated, Ms. [redacted] can submit new UM/UIM forms that are properly completed and her future installments would decrease to reflect the removal of coverage.
I trust that I have addressed the issues within Ms. [redacted]’s complaint. If I can be of further assistance, please contact me at ###-###-####.
I reviewed the response made by the business in reference to complaint ID 11883915, and find the resolution is satisfactory to me. NW had more than ample time to clear the balance as I asked that the credit from the renter policy be applied to the auto, as the rep who processed both cancellations was able to tell me on the spot what was owed, the same day I requested the cancellations. I am not trying to get out of paying them, but I gave them the opportunity to NOT send me the refund (which I was told several times could be arranged), which I requested on 3 separate occasions prior to the refund ever arriving in my POB, to apply it so I wouldn't owe them anything! I don't know what wasn't clear about that! This company is completely inept so I'm not sure why he thinks I would EVER come back!!! I wouldn't! Once you show me you're incompetent the likelihood of you getting my business ever again is extremely unlikely. Believe me I DO spread the word to other consumers not to go with any company I've had a bad experience with, especially when it's this severe and I've had to go to these lengths to get their attention. This complaint is one way of doing it, word of mouth is the other. This company is horribly managed and really needs to take a look at their management style and lack of training from the inside. It needs a major over haul. We are in a new century with a brand new non traditional president about to be sworn in. As Mr. Trump has repeatedly said on the campaign trail, business as usual is over! Change is inevitable! That means businesses can no longer operate the way they did under Obama and during the Great Recession. You'd best adjust your attitude, business model and thinking or suffer the consequences that all others who can't adjust from the past will face - utter failure!!! The mere fact that I spoke to 3 separate customer service reps on 3 separate occasions to avoid this dilemma in the first place speaks volumes to the level of denial this company is in. They refuse to be accountable for their incompetence but speak as though they are doing me a favor? Really? The minute I filed a complaint with the CA Insurance Commissioner is when I got the nasty letter from the first person, then the collection letter. CCS backed off because they understand the ramifications and the Fair Credit Act laws. They are smarter than NW thank goodness. NW continues to stand on a principal that doesn't exist but in their own heads! Had they not been so sloppy in their providing of insurance billing and IT services, then I would still be an insured with no past due balance! I wasn't an insured very long and their policy was far too expensive for the crap they call customer service. It should've been superior for a nationwide insurance company. I've found that the very large carriers have the worst customer service, dumbest policies, lack experienced employees and the least ability technology wise to do anything in a timely or accurately manner. As I stated in my complaint to the Revdex.com and Consumer Finance Protection organization; if I see this on my credit, I'll immediately hire council and proceed with a lawsuit that I will not hesitate to publicize against them. That will absolutely bring all of the people that have had bad experiences on this same level with them, out of the woodwork and likely find them being fined by some government agency or sued for their illegal practices. That will trigger persons such as the one responding to my complaint to be terminated for the very public embarrassment caused to the company's reputation, when it should've been resolved amicably at the lower ranks. If another insurance company reports that they see I owe NW money that too will trigger a lawsuit by me without further warning. I caution them to tread very lightly with trying to destroy me over their error and stupidity! This won't end well for them! I believe NW picked the wrong person to mess with. I know my rights and I know how to get their attention should I need to do so. Once these type of complaints are filed they are made public! So they can continue to stand on principal rather than do the right thing as much as they wish. I repeat: put this on my credit or send another collection agency after me and I'll be suing you for far more than this so called bill you are claiming I owe. You shouldn't have sent me the refund. Once I got it, do you really think I was going to waste anymore of my time trying to give it back????? You had your chance and the error was yours and anyone with any common sense can see where this went wrong. It went wrong on the NW side not mine. So their attempts to make it seem as though I purposely cheated them will not fly! They had their chance and blew it. I was very angry when I received that refund. I was going to call them and light them up verbally but decided I had no more time to waste on the phone with is such as the ones at this company. They should be ashamed of themselves, they are very unethical. They have one more agency to try to justify this complaint with. I will remind you if you come after me or put this on my credit in any way, or report it so other insurance companies can see it (they will tell me) it will be my great pleasure to sue you!!! I wouldn't push my luck if I were you. The mere fact that I was willing to spend time writing up complaints should tell you that I am a force to be reckoned with and will keep my word! You were wrong! Own it!!!
We are in receipt of your correspondence dated November 14, 2017, addressed to [redacted], regarding the above noted file and Mr. P[redacted] request to make adjustments to his [redacted] policy coverages.Upon receipt of your inquiry we contacted the vendor we use to...
service our [redacted] policyholder accounts. A representative, Bethany, made a call out to Mr. P[redacted] today and left a voice message explaining that in order to make changes to Earthquake policy coverages they will need something in writing from him. She provided a mailing address as well as the email in her message, along with giving him the phone number to call back if he would like to quote out any changes.For assistance with questions or changes to his Earthquake policy at any time, Mr. P[redacted] should contact the [redacted] Service Center at ###-###-#### or email [redacted].Thank you for bringing our member’s concerns to our attention. If you require further assistance, please contact our Customer Advocacy Coordinator, Janice Kleinhans, direct at ###-###-#### or by email at [redacted]Sincerely,Shauna T[redacted]Nationwide [redacted] Account Manager
Mike M[redacted] contacted Ms. [redacted]'s agent Scot E[redacted] to do a 3 way call with Ms. [redacted]. Scott and Ms. [redacted] spoke about the problems she has had, and Ms. [redacted] has now decided to stay with her current agent.
per my employeer- payroll department the money taken out of my paroll check has done been sent to the vendor three weeks ago. Perhaps the money was applied to the incorrect account, as I mentioned within my compliant, I had received a slew of e-mails with different pets/pet names and my name was attached to each, it was a concern then and even more so now. I am totally aware of the two polices, the first should had been cancelled in November, but was not.
Regards, [redacted]
Please allow this letter to serve as a response to the above captioned Revdex.comcomplaint filed by Mr. [redacted].Contrary to Mr. [redacted]'s response, his 2014 Nissan Pathfinder, with 46,989 miles, was not"brand new" at the time of inspection. As stated in my earlier response, a New York Statelicensed appraiser conducted the inspection. A subsequent inspection will also take place by Mr.[redacted]'s repair facility prior to repair. We will address any issues or additional damagediscovered by the repair facility. In addition, Mr. [redacted] also put in a diminished valueclaim that will be evaluated once the repair to his vehicle is completed.If you require further assistance, please contact our [redacted] Joey L[redacted]at ###-###-#### or by email at [redacted]Sincerely,Alan S[redacted]
Dear Ms. [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of America. We havereviewed the concerns expressed by Ms. [redacted] and will attempt to address them in the letter.[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms. [redacted] lost control of her 2004 [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the 2004 [redacted] she was driving at the time of theaccident failed due to a mechanical malfunction. She indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms. [redacted]’s 2004 [redacted]. Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms. [redacted], inquiring as to her rate increaseand suggesting this loss was due to a mechanical failure. The vehicle was sold by [redacted] on April 20, 2015 and this vehicle is no longer in Nationwide’s possession to verify Ms. [redacted]’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accident. She also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, 2015 a recorded interview was conducted with Ms. [redacted], in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms. [redacted] and the police report confirmed the accident, EricN[redacted], the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of loss. There were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted]s property totaled $ 2,350.00 andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted]at ###-###-#### or by email at [redacted]Sincerely,Nan Q[redacted]Claims Specialist IIINationwide###-###-####[redacted]
This letter is in response to Ms. [redacted]’ recent rejection to our latest response and her request to expunge the collection from the credit report tied to her cancelled Nationwide personal auto policy.As previously indicated, a Final Bill was issued on July 5, 2016, which gave the opportunity for Ms. [redacted] to pay it prior to going to a collection company. The collection itself was not handed over to [redacted] Collection Services (CCS) until August 23, 2016. Once that occurred, the insured had 30 days to pay before it would show on the credit report itself. Payment was not received until January 6, 2017, almost a full six months after the cancellation of the policy, and five months after the final bill was issued. This all being said, we cannot clear the credit history as if the collection never existed because it was both valid and delinquent. However, we can confirm that since the payment was made, it is being removed from the Credit Report. It can take 30-60 days from the date of payment for the Credit Report to show as updated, but CCS has confirmed the item is being cleared as a settled debt.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K[redacted], at ###-###-#### or by email at [email protected],Jeremy T BagotJeremy T. BagotSr. Analyst, Customer Response and Resolution###-###-####[email protected]
Dear [redacted],We are in receipt of your email dated August 8, 2017 whereby [redacted] states he is still waiting to receive payment for the overdraft fees.As stated in our August 4, 2016 response, issuance of a check will take 7-10 business days which would bring us to August 17, 2016. I would assume [redacted] has since received his check.Thank youSincerely,Patty G[redacted]Customer Advocacy CoordinatorChief Customer AdvocateNationwide[redacted]###-###-####
This is in response to the follow up inquiry of December 16, 2016.The check was issued on December 7, 2016 and was cleared by our bank on December 13, 2016.With regards to the loss of use, we explained to [redacted] on December 2, 2016, that we would accept 75% responsibility for the rental. She indicated her vehicle was drivable, and would not need a rental until it was placed in for repairs. We contacted her again on December 21, 2016, and she both confirmed she had received the check, and that she had not scheduled the vehicle for repairs yet. We advised her to contact us when she has scheduled repairs, and we would arrange the rental.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, [redacted] at ###-###-#### or via email at [redacted]Sincerely, David [redacted]
Thank you for your recent inquiry regarding a complaint you received from Ms. [redacted], unfortunately do to privacy concerns I cannot share the specific details on this claim. As Property Claims Manager, I have reviewed this claim file and have spoken to Ms. [redacted] about her concerns. ...
Additionally, Nationwide has taken additional steps to assist in the evaluation of the damages and to help to address the concerns of Ms. [redacted] as we work towards an amicable resolution. Based on my review Nationwide believes the claim was handled in a professional manner. However, I am sorry that the outcome was not satisfactory to Ms. [redacted] We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. Sincerely, Kenneth W G[redacted]
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] is requesting a refund in the amount of $18.48 representing premium deducted from her payroll check.According to a review of our files, on December 22, 2015 Ms. [redacted] contacted our office to cancel her...
policy as she had given the pet away. During the discussion it was discovered Ms. [redacted] actually had two policies for the same pet.- Policy [redacted] applied for by speaking with an agent on November 4, 2015.- Policy [redacted] applied for via our online enrollment center on October 22, 2015For both enrollments Ms. [redacted] opted to pay for the policy premium through payroll deductions. This means her premium deductions would be taken from her paycheck by her employer and transferred to Nationwide through a Third Party Administrator. Both polices were set to become effective January 1, 2016.During the call on December 22, 2015 Ms. [redacted] requested her policy be cancelled. The cancellation transaction for both policies was completed in our system on December 23, 2015 and the information forwarded to the Third Party Administrator. Please note at the time of cancellation and as of the date of this letter, no premium has been received from the Third Party Administrator.We have reached out to the Third Party Administrator and confirmed the cancellation requests (stop premium deductions) have been processed and that two billings of $9.24 are outstanding. Although Ms. [redacted]’s company deducted the premium from her check, the money has not been received by the Third Party Administrator and has not been sent to Nationwide Pet Insurance (formerly VPI).Once Nationwide receives the premium from the Third Party Administrator we will refund the money to Ms. [redacted] within twenty-four hours. Please note, as explained to Ms. [redacted] during a call on January 7, 2016, it may take one or two pay periods before premium payment is received by our company. Additionally, we are not sure if we will receive both installments of $9.24 together or separately, however as soon as we receive the funds we will send a check to Ms. [redacted].Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted] Sincerely,Lynne C. H[redacted]
Dear Mr. [redacted] This is in response to the inquiry received for the above policyholder and her recreational vehicle policy. Ms. [redacted] list concerns regarding her agent and the handling of her new business recreational...
vehicle policy. On January 16, 2017, the primary agent received an email from our customer service department regarding Ms. [redacted] request to quote her new recreational vehicle. This was the first recorded contact the agency received regarding Ms. [redacted] need for a quote. When the agency spoke with Ms. [redacted], it appeared the dealership was contacting the agency when it was closed on the weekend or after business hours during the week. No messages were left on the agency’s messaging system by Ms. [redacted] or the dealership. The agency did apologize for any confusion and was able to write a recreational vehicle policy for Ms. [redacted] with an effective date of February 1, 2017. On February 15, 2017, a letter was mailed to Ms. [redacted] and to the agency stating since no sales receipt had been received for the 2017 Forest River the Total Loss Replacement Cost was changed to Actual Cash Value. This change was done on the same day the letter was mailed with an effective date of February 1, 2017. Ms. [redacted] received the notice regarding the coverage reduction and emailed her agent on February 22, 2017. The agent was unavailable on February 22, however she emailed Ms. [redacted] on February 23, 2017 apologizing for not asking for the bill of sale as it was a new underwriting rule that she inadvertently overlooked when binding the policy. On February 27, 2017, Ms. [redacted] received her refund of $28.30 and contacted our customer service department. The change to remove the coverages was done the same day as the letter was mailed and the refund was issued on February 19, 2017 in our system. Ms. [redacted] was able to provide the bill of sale to the customer service representative as the agency had not yet submitted it to the underwriting department. The coverages were restored to the Total Loss Replacement Cost effective February 1, 2017. We do sincerely apologize to Ms. [redacted] and assure her that feedback has been given to the agency in regards to obtaining the bill of sale for recreational vehicles prior to binding a new business policy. If Ms. [redacted] would like her policies transferred to a different agency, our customer service department can assist her with this request. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Bridget D[redacted]
Mr. [redacted]’ claim is currently being handled by one of my adjusters. During the course of Mr. [redacted]’ claim he was seeking medical treatment for both injuries that appear to be related to the accident as well as treatment for other medical conditions that were pre-existing this...
accident. A settlement offer was extended to Mr. [redacted] to compensate him for the accident in addition to paying for any medical treatment related to the accident within 90 days from the accident in an attempt to resolve the claim. Mr. [redacted] reached out to me to discuss his concerns and presented additional information that he would like to be considered in his claim. He did request a new adjuster as he felt that the adjuster was not properly evaluating his claim. I assured him that I would review the file to be sure that it was evaluated properly, but would be unable to reassign his file over a dispute in value. Due to the nature of the injuries he presented as well as the other circumstances surrounding his treatment we agreed that we would need to review his medical history and all treatment sought since the accident to confirm what is related to this auto accident and what may be unrelated. Mr. [redacted] initially agreed to this request, which required a signed medical authorization, but since our conversation, Mr. [redacted] has revoked his signed medical authorization preventing us from securing all medical information necessary to fully evaluate the claim he is presenting. At this time we are attempting to resolve Mr. [redacted]’ claim, but have been unable to secure all needed documentation from Mr. [redacted] to verify the claim he is presenting. Thank you,Adam T[redacted]Casualty Claims Manager
Police y #[redacted]. They are in the business of false advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the 10 years I have used them for my ten year toy poodle only to let me down big time!
Regards,
[redacted]
We are in receipt of Ms. [redacted]’s rejection of our response 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.As stated in our original response, we have requested records on Ms. [redacted]’s behalf in order to determine if additional benefits apply to the above referenced claims. We received the requested records on October 18, 2016. Our review was completed on October 20, 2016 and found that Murphy was treated primarily for pneumonia on all claims in question. The claims were reprocessed with a primary diagnosis of Pneumonia (code 1447) and secondary benefits were applied as indicated in the records. A letter explaining the outcome of the review was sent to Ms. [redacted] on October 20, 2016. A revised explanation of benefits was sent out for each claim reprocessed.Please note that our review is final unless we receive additional documentation that was previously unsubmitted.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]###-###-####
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards and Thank you so much for your help! [redacted]
Thank you for the second follow up inquiry regarding a Revdex.com complaint received from [redacted]. As Material Damage Claims Manager, I would like to address the issues brought forth by Mr. [redacted]. Nationwide has paid for repairs to all proven and related damages to Mr. [redacted]’s vehicle. Impact to the [redacted] vehicle occurred to the rear of the vehicle. Relying on his own words, Mr. [redacted]’s dealership of choice advised him the claimed damages to the turbo, could not be related to the loss. As always, Nationwide would evaluate any new information to support relativity to damages not included and paid in this claim. Presently, Nationwide considers the repairs for related damage to have been completed. With regards to the pending diminished value complaint, Nationwide has paid an undisputed amount ($618.00) of diminished value to the owner of the vehicle, [redacted] leasing. Mr. [redacted], the lessor, believes the value is higher. If it is understood correctly in his follow up correspondence, Mr. [redacted] has reduced his demand from $3000.00 to $1809.00 and now requests and additional $1191.00 ($1809.00-$618.00=$1191.00). Nationwide does not agree with Mr. [redacted]'s method of calculating diminished value. As previously promised in an attempt to resolve our impasse, at our expense Nationwide sought the opinion of an outside party to provide the parties with another opinion as to the diminished value of the vehicle. The appraiser, [redacted] Appraisal Services, has determined the diminished value of the [redacted] to be $1554.00. In good faith, Nationwide will honor this appraisal and issue a claims payment for an additional $936.00 to resolve this matter ($618.00 plus $936.00 for a total of $1554.00) in exchange for a complete release from Mr. [redacted] and [redacted] Leasing. If you have any additional questions please do not hesitate to contact me.
I reviewed the response made by the business in reference to complaint ID [redacted], and after being an agent-less Nationwide customer for 17 years was provided Richard T[redacted] at ###-###-####. I spoke with Jackie today at Richard's office who is going to review my policy and communicate back with me. Feel free to close the complaint now that I have a local human to communicate with.
Regards,
[redacted]
Dear [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 02/24/2015, Ms. [redacted]...
purchased a six month insurance policy with a bill plan of 20% down and 5 installments with an electronic funds transfer (EFT) automatic withdrawal.
On 02/26/2015, an underwriting memo was issued to Ms. [redacted] requesting her Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage selection form be signed and returned. The memo stated that if the forms were not received coverage would be added to the policy.
On 04/06/2015, no UM/UIM forms were received, stacked UM/UIM coverage was added and Ms. [redacted]’s premium increased $179.00. Ms. [redacted]’s installment payments increased from $64.85 to $109.60 to reflect the change in coverage.
On 05/20/2015, Ms. [redacted] contacted the service center to inquire as to the reason her premium increased and was informed that we never received her signed UM/UIM forms. The service center associate erroneously stated that the forms were recently received but had not been processed yet. Ms. [redacted] had requested to stop her EFT withdrawals as she was considered cancelling her policy. The service center associate should have informed Ms. [redacted] that the forms were received but were not valid as she had signed in conflicting sections, opting to elect and reject the coverage. The UM/UIM forms would need to be correctly signed in order to remove the stacked UM/UIM coverage.
On 06/02/2015, Ms. [redacted]’s policy cancelled for non-payment as her 05/27/2015 installment bill was not paid and her EFT withdrawals had been stopped at her request.
On 06/05/2015, Ms. [redacted] contacted the service center to discuss the billing on her policy. She was advised that her policy had cancelled on 06/02/2015 due to non-payment and that she could reinstate the policy no lapse in coverage with a verbal statement of no loss and a payment in the amount of $129.60. The reinstatement amount included the premium for the 05/27/2015 installment as well as a $20.00 reinstatement fee. Ms. [redacted] declined to make the payment.
We are happy to assist Ms. [redacted] reinstate her policy without the lapse in coverage but would need to collect the payment of $129.60. Once the policy is reinstated, Ms. [redacted] can submit new UM/UIM forms that are properly completed and her future installments would decrease to reflect the removal of coverage.
I trust that I have addressed the issues within Ms. [redacted]’s complaint. If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
[redacted]
I reviewed the response made by the business in reference to complaint ID 11883915, and find the resolution is satisfactory to me. NW had more than ample time to clear the balance as I asked that the credit from the renter policy be applied to the auto, as the rep who processed both cancellations was able to tell me on the spot what was owed, the same day I requested the cancellations. I am not trying to get out of paying them, but I gave them the opportunity to NOT send me the refund (which I was told several times could be arranged), which I requested on 3 separate occasions prior to the refund ever arriving in my POB, to apply it so I wouldn't owe them anything! I don't know what wasn't clear about that! This company is completely inept so I'm not sure why he thinks I would EVER come back!!! I wouldn't! Once you show me you're incompetent the likelihood of you getting my business ever again is extremely unlikely. Believe me I DO spread the word to other consumers not to go with any company I've had a bad experience with, especially when it's this severe and I've had to go to these lengths to get their attention. This complaint is one way of doing it, word of mouth is the other. This company is horribly managed and really needs to take a look at their management style and lack of training from the inside. It needs a major over haul. We are in a new century with a brand new non traditional president about to be sworn in. As Mr. Trump has repeatedly said on the campaign trail, business as usual is over! Change is inevitable! That means businesses can no longer operate the way they did under Obama and during the Great Recession. You'd best adjust your attitude, business model and thinking or suffer the consequences that all others who can't adjust from the past will face - utter failure!!! The mere fact that I spoke to 3 separate customer service reps on 3 separate occasions to avoid this dilemma in the first place speaks volumes to the level of denial this company is in. They refuse to be accountable for their incompetence but speak as though they are doing me a favor? Really? The minute I filed a complaint with the CA Insurance Commissioner is when I got the nasty letter from the first person, then the collection letter. CCS backed off because they understand the ramifications and the Fair Credit Act laws. They are smarter than NW thank goodness. NW continues to stand on a principal that doesn't exist but in their own heads! Had they not been so sloppy in their providing of insurance billing and IT services, then I would still be an insured with no past due balance! I wasn't an insured very long and their policy was far too expensive for the crap they call customer service. It should've been superior for a nationwide insurance company. I've found that the very large carriers have the worst customer service, dumbest policies, lack experienced employees and the least ability technology wise to do anything in a timely or accurately manner. As I stated in my complaint to the Revdex.com and Consumer Finance Protection organization; if I see this on my credit, I'll immediately hire council and proceed with a lawsuit that I will not hesitate to publicize against them. That will absolutely bring all of the people that have had bad experiences on this same level with them, out of the woodwork and likely find them being fined by some government agency or sued for their illegal practices. That will trigger persons such as the one responding to my complaint to be terminated for the very public embarrassment caused to the company's reputation, when it should've been resolved amicably at the lower ranks. If another insurance company reports that they see I owe NW money that too will trigger a lawsuit by me without further warning. I caution them to tread very lightly with trying to destroy me over their error and stupidity! This won't end well for them! I believe NW picked the wrong person to mess with. I know my rights and I know how to get their attention should I need to do so. Once these type of complaints are filed they are made public! So they can continue to stand on principal rather than do the right thing as much as they wish. I repeat: put this on my credit or send another collection agency after me and I'll be suing you for far more than this so called bill you are claiming I owe. You shouldn't have sent me the refund. Once I got it, do you really think I was going to waste anymore of my time trying to give it back????? You had your chance and the error was yours and anyone with any common sense can see where this went wrong. It went wrong on the NW side not mine. So their attempts to make it seem as though I purposely cheated them will not fly! They had their chance and blew it. I was very angry when I received that refund. I was going to call them and light them up verbally but decided I had no more time to waste on the phone with i
s such as the ones at this company. They should be ashamed of themselves, they are very unethical. They have one more agency to try to justify this complaint with. I will remind you if you come after me or put this on my credit in any way, or report it so other insurance companies can see it (they will tell me) it will be my great pleasure to sue you!!! I wouldn't push my luck if I were you. The mere fact that I was willing to spend time writing up complaints should tell you that I am a force to be reckoned with and will keep my word! You were wrong! Own it!!!
We are in receipt of your correspondence dated November 14, 2017, addressed to [redacted], regarding the above noted file and Mr. P[redacted] request to make adjustments to his [redacted] policy coverages.Upon receipt of your inquiry we contacted the vendor we use to...
service our [redacted] policyholder accounts. A representative, Bethany, made a call out to Mr. P[redacted] today and left a voice message explaining that in order to make changes to Earthquake policy coverages they will need something in writing from him. She provided a mailing address as well as the email in her message, along with giving him the phone number to call back if he would like to quote out any changes.For assistance with questions or changes to his Earthquake policy at any time, Mr. P[redacted] should contact the [redacted] Service Center at ###-###-#### or email [redacted].Thank you for bringing our member’s concerns to our attention. If you require further assistance, please contact our Customer Advocacy Coordinator, Janice Kleinhans, direct at ###-###-#### or by email at [redacted]Sincerely,Shauna T[redacted]Nationwide [redacted] Account Manager
Mike M[redacted] contacted Ms. [redacted]'s agent Scot E[redacted] to do a 3 way call with Ms. [redacted]. Scott and Ms. [redacted] spoke about the problems she has had, and Ms. [redacted] has now decided to stay with her current agent.
per my employeer- payroll department the money taken out of my paroll check has done been sent to the vendor three weeks ago. Perhaps the money was applied to the incorrect account, as I mentioned within my compliant, I had received a slew of e-mails with different pets/pet names and my name was attached to each, it was a concern then and even more so now. I am totally aware of the two polices, the first should had been cancelled in November, but was not.
Regards, [redacted]
Please allow this letter to serve as a response to the above captioned Revdex.comcomplaint filed by Mr. [redacted].Contrary to Mr. [redacted]'s response, his 2014 Nissan Pathfinder, with 46,989 miles, was not"brand new" at the time of inspection. As stated in my earlier response, a New York Statelicensed appraiser conducted the inspection. A subsequent inspection will also take place by Mr.[redacted]'s repair facility prior to repair. We will address any issues or additional damagediscovered by the repair facility. In addition, Mr. [redacted] also put in a diminished valueclaim that will be evaluated once the repair to his vehicle is completed.If you require further assistance, please contact our [redacted] Joey L[redacted]at ###-###-#### or by email at [redacted]Sincerely,Alan S[redacted]
Dear Ms. [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of America. We havereviewed the concerns expressed by Ms. [redacted] and will attempt to address them in the letter.[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms. [redacted] lost control of her 2004 [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the 2004 [redacted] she was driving at the time of theaccident failed due to a mechanical malfunction. She indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms. [redacted]’s 2004 [redacted]. Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms. [redacted], inquiring as to her rate increaseand suggesting this loss was due to a mechanical failure. The vehicle was sold by [redacted] on April 20, 2015 and this vehicle is no longer in Nationwide’s possession to verify Ms. [redacted]’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accident. She also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, 2015 a recorded interview was conducted with Ms. [redacted], in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms. [redacted] and the police report confirmed the accident, EricN[redacted], the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of loss. There were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted]s property totaled $ 2,350.00 andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted]at ###-###-#### or by email at [redacted]Sincerely,Nan Q[redacted]Claims Specialist IIINationwide###-###-####[redacted]
This letter is in response to Ms. [redacted]’ recent rejection to our latest response and her request to expunge the collection from the credit report tied to her cancelled Nationwide personal auto policy.As previously indicated, a Final Bill was issued on July 5, 2016, which gave the opportunity for Ms. [redacted] to pay it prior to going to a collection company. The collection itself was not handed over to [redacted] Collection Services (CCS) until August 23, 2016. Once that occurred, the insured had 30 days to pay before it would show on the credit report itself. Payment was not received until January 6, 2017, almost a full six months after the cancellation of the policy, and five months after the final bill was issued. This all being said, we cannot clear the credit history as if the collection never existed because it was both valid and delinquent. However, we can confirm that since the payment was made, it is being removed from the Credit Report. It can take 30-60 days from the date of payment for the Credit Report to show as updated, but CCS has confirmed the item is being cleared as a settled debt.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K[redacted], at ###-###-#### or by email at [email protected],Jeremy T BagotJeremy T. BagotSr. Analyst, Customer Response and Resolution###-###-####[email protected]
Dear [redacted],We are in receipt of your email dated August 8, 2017 whereby [redacted] states he is still waiting to receive payment for the overdraft fees.As stated in our August 4, 2016 response, issuance of a check will take 7-10 business days which would bring us to August 17, 2016. I would assume [redacted] has since received his check.Thank youSincerely,Patty G[redacted]Customer Advocacy CoordinatorChief Customer AdvocateNationwide[redacted]###-###-####
This is in response to the follow up inquiry of December 16, 2016.The check was issued on December 7, 2016 and was cleared by our bank on December 13, 2016.With regards to the loss of use, we explained to [redacted] on December 2, 2016, that we would accept 75% responsibility for the rental. She indicated her vehicle was drivable, and would not need a rental until it was placed in for repairs. We contacted her again on December 21, 2016, and she both confirmed she had received the check, and that she had not scheduled the vehicle for repairs yet. We advised her to contact us when she has scheduled repairs, and we would arrange the rental.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, [redacted] at ###-###-#### or via email at [redacted]Sincerely, David [redacted]
Thank you for your recent inquiry regarding a complaint you received from Ms. [redacted], unfortunately do to privacy concerns I cannot share the specific details on this claim. As Property Claims Manager, I have reviewed this claim file and have spoken to Ms. [redacted] about her concerns. ...
Additionally, Nationwide has taken additional steps to assist in the evaluation of the damages and to help to address the concerns of Ms. [redacted] as we work towards an amicable resolution. Based on my review Nationwide believes the claim was handled in a professional manner. However, I am sorry that the outcome was not satisfactory to Ms. [redacted] We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. Sincerely, Kenneth W G[redacted]
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] is requesting a refund in the amount of $18.48 representing premium deducted from her payroll check.According to a review of our files, on December 22, 2015 Ms. [redacted] contacted our office to cancel her...
policy as she had given the pet away. During the discussion it was discovered Ms. [redacted] actually had two policies for the same pet.- Policy [redacted] applied for by speaking with an agent on November 4, 2015.- Policy [redacted] applied for via our online enrollment center on October 22, 2015For both enrollments Ms. [redacted] opted to pay for the policy premium through payroll deductions. This means her premium deductions would be taken from her paycheck by her employer and transferred to Nationwide through a Third Party Administrator. Both polices were set to become effective January 1, 2016.During the call on December 22, 2015 Ms. [redacted] requested her policy be cancelled. The cancellation transaction for both policies was completed in our system on December 23, 2015 and the information forwarded to the Third Party Administrator. Please note at the time of cancellation and as of the date of this letter, no premium has been received from the Third Party Administrator.We have reached out to the Third Party Administrator and confirmed the cancellation requests (stop premium deductions) have been processed and that two billings of $9.24 are outstanding. Although Ms. [redacted]’s company deducted the premium from her check, the money has not been received by the Third Party Administrator and has not been sent to Nationwide Pet Insurance (formerly VPI).Once Nationwide receives the premium from the Third Party Administrator we will refund the money to Ms. [redacted] within twenty-four hours. Please note, as explained to Ms. [redacted] during a call on January 7, 2016, it may take one or two pay periods before premium payment is received by our company. Additionally, we are not sure if we will receive both installments of $9.24 together or separately, however as soon as we receive the funds we will send a check to Ms. [redacted].Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted] Sincerely,Lynne C. H[redacted]
Dear Mr. [redacted] This is in response to the inquiry received for the above policyholder and her recreational vehicle policy. Ms. [redacted] list concerns regarding her agent and the handling of her new business recreational...
vehicle policy. On January 16, 2017, the primary agent received an email from our customer service department regarding Ms. [redacted] request to quote her new recreational vehicle. This was the first recorded contact the agency received regarding Ms. [redacted] need for a quote. When the agency spoke with Ms. [redacted], it appeared the dealership was contacting the agency when it was closed on the weekend or after business hours during the week. No messages were left on the agency’s messaging system by Ms. [redacted] or the dealership. The agency did apologize for any confusion and was able to write a recreational vehicle policy for Ms. [redacted] with an effective date of February 1, 2017. On February 15, 2017, a letter was mailed to Ms. [redacted] and to the agency stating since no sales receipt had been received for the 2017 Forest River the Total Loss Replacement Cost was changed to Actual Cash Value. This change was done on the same day the letter was mailed with an effective date of February 1, 2017. Ms. [redacted] received the notice regarding the coverage reduction and emailed her agent on February 22, 2017. The agent was unavailable on February 22, however she emailed Ms. [redacted] on February 23, 2017 apologizing for not asking for the bill of sale as it was a new underwriting rule that she inadvertently overlooked when binding the policy. On February 27, 2017, Ms. [redacted] received her refund of $28.30 and contacted our customer service department. The change to remove the coverages was done the same day as the letter was mailed and the refund was issued on February 19, 2017 in our system. Ms. [redacted] was able to provide the bill of sale to the customer service representative as the agency had not yet submitted it to the underwriting department. The coverages were restored to the Total Loss Replacement Cost effective February 1, 2017. We do sincerely apologize to Ms. [redacted] and assure her that feedback has been given to the agency in regards to obtaining the bill of sale for recreational vehicles prior to binding a new business policy. If Ms. [redacted] would like her policies transferred to a different agency, our customer service department can assist her with this request. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Bridget D[redacted]
Mr. [redacted]’ claim is currently being handled by one of my adjusters. During the course of Mr. [redacted]’ claim he was seeking medical treatment for both injuries that appear to be related to the accident as well as treatment for other medical conditions that were pre-existing this...
accident. A settlement offer was extended to Mr. [redacted] to compensate him for the accident in addition to paying for any medical treatment related to the accident within 90 days from the accident in an attempt to resolve the claim. Mr. [redacted] reached out to me to discuss his concerns and presented additional information that he would like to be considered in his claim. He did request a new adjuster as he felt that the adjuster was not properly evaluating his claim. I assured him that I would review the file to be sure that it was evaluated properly, but would be unable to reassign his file over a dispute in value. Due to the nature of the injuries he presented as well as the other circumstances surrounding his treatment we agreed that we would need to review his medical history and all treatment sought since the accident to confirm what is related to this auto accident and what may be unrelated. Mr. [redacted] initially agreed to this request, which required a signed medical authorization, but since our conversation, Mr. [redacted] has revoked his signed medical authorization preventing us from securing all medical information necessary to fully evaluate the claim he is presenting. At this time we are attempting to resolve Mr. [redacted]’ claim, but have been unable to secure all needed documentation from Mr. [redacted] to verify the claim he is presenting. Thank you,Adam T[redacted]Casualty Claims Manager
Police y #[redacted]. They are in the business of false advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the 10 years I have used them for my ten year toy poodle only to let me down big time!
Regards,
[redacted]
We are in receipt of Ms. [redacted]’s rejection of our response 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.As stated in our original response, we have requested records on Ms. [redacted]’s behalf in order to determine if additional benefits apply to the above referenced claims. We received the requested records on October 18, 2016. Our review was completed on October 20, 2016 and found that Murphy was treated primarily for pneumonia on all claims in question. The claims were reprocessed with a primary diagnosis of Pneumonia (code 1447) and secondary benefits were applied as indicated in the records. A letter explaining the outcome of the review was sent to Ms. [redacted] on October 20, 2016. A revised explanation of benefits was sent out for each claim reprocessed.Please note that our review is final unless we receive additional documentation that was previously unsubmitted.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]###-###-####
Consumer contacted Revdex.com stating the matter has been resolved satisfactorally and can be closed.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards and Thank you so much for your help! [redacted]
Thank you for the second follow up inquiry regarding a Revdex.com complaint received from [redacted]. As Material Damage Claims Manager, I would like to address the issues brought forth by Mr. [redacted]. Nationwide has paid for repairs to all proven and related damages to Mr. [redacted]’s vehicle. Impact to the [redacted] vehicle occurred to the rear of the vehicle. Relying on his own words, Mr. [redacted]’s dealership of choice advised him the claimed damages to the turbo, could not be related to the loss. As always, Nationwide would evaluate any new information to support relativity to damages not included and paid in this claim. Presently, Nationwide considers the repairs for related damage to have been completed. With regards to the pending diminished value complaint, Nationwide has paid an undisputed amount ($618.00) of diminished value to the owner of the vehicle, [redacted] leasing. Mr. [redacted], the lessor, believes the value is higher. If it is understood correctly in his follow up correspondence, Mr. [redacted] has reduced his demand from $3000.00 to $1809.00 and now requests and additional $1191.00 ($1809.00-$618.00=$1191.00). Nationwide does not agree with Mr. [redacted]'s method of calculating diminished value. As previously promised in an attempt to resolve our impasse, at our expense Nationwide sought the opinion of an outside party to provide the parties with another opinion as to the diminished value of the vehicle. The appraiser, [redacted] Appraisal Services, has determined the diminished value of the [redacted] to be $1554.00. In good faith, Nationwide will honor this appraisal and issue a claims payment for an additional $936.00 to resolve this matter ($618.00 plus $936.00 for a total of $1554.00) in exchange for a complete release from Mr. [redacted] and [redacted] Leasing. If you have any additional questions please do not hesitate to contact me.
I reviewed the response made by the business in reference to complaint ID [redacted], and after being an agent-less Nationwide customer for 17 years was provided Richard T[redacted] at ###-###-####. I spoke with Jackie today at Richard's office who is going to review my policy and communicate back with me. Feel free to close the complaint now that I have a local human to communicate with.
Regards,
[redacted]