Nationwide

[redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] *** [redacted] This letter is in response to the concerns filed by [redacted] regarding the balance due on the cancelled policy Attached is a breakdown that explains the reason for the $currently due on the cancelled policy [redacted] had paid $on September 30, which was applied to his prior policy When the prior policy cancelled to be rewritten to the ######### policy, $of that payment was transferred to ###### to pay down the policy balance on the ######## account The removal and addition of the discounts which caused fluctuation in the premium are explained on the breakdown The premium due on the 6132D policy is as follows: $six month premium + $removal of Homeowner discount effective November 15th - $addition of correct Non-Nationwide Homeowner discount effective November 15th Equals $due for six months of coverage on this policy Two payments applied to this policy, $which was the transferred credit from the prior policy, and $on March 21, On May 7, Nationwide received a payment dispute from [redacted] ’s bank indicating that $was not authorized (see attached proof) We refunded $back to his bank account This meant that only $applied to the policy from the March 21, payment Total payments that applied to this policy were $+ $= $ Therefore, $due for coverage - $paid on account = $still due for coverage provided If you should have any other requests or questions regarding this matter, please contact [redacted] at ###-###-####, Ext###### Sincerely, [redacted] Nationwide Insurance Companies

Per the agent, Jim J [redacted] , the request to cancel the homeowner policy was properly handled For reasons they are unable to determine, the auto policy was not cancelled at the same time The file documentation shows that, after discussing the original problem with Mr [redacted] they did attempt to cancel the auto policy but were not allowed to do so by the customer service department and underwriting department without obtaining proof of Mr [redacted] 's new auto insurance policy They explained, in detail, that they had a signed cancel request form and had failed to cancel the policy on a timely basis, but were still not allowed to cancel the policy without proof of other auto insurance They then sent requests to Mr [redacted] on 5/13, 5/18, and 5/asking for a copy of his new auto policy declarations page Mr [redacted] called the agency on Monday 6/at 6:pm (office closed) and left a voice mail for me to call him I was not in my office the entire day Tuesday 6/ He called again at 2:pm on Tuesday 6/and left a message with Darnell for me to call him (apparently he only wanted to talk to me)I arrived at my office around 11:am on Wednesday 6/and became aware of Mr [redacted] 's OCA complaint before I had a chance to call him We have reviewed our phone logs back to the beginning of March and can find no unanswered calls from Mr [redacted] other than the two calls on 6/at 6:voice mail and the 6/at 2:02, both of which where not answered due to my not being in the office No emails were unanswered After research on policy 6132C 377817, there is no longer an amount dueThe Auto policy cancelled for Non-pay on April 9, leaving a collection amount of $Mr [redacted] called the Service Center on June 13, to question the collection amountMr [redacted] was advised of the incorrect cancellation date and was asked to provide proof of coverage elsewhere to adjust the dateNationwide received that proof on June 14, and the cancellation date was adjusted to February 19, With this adjustment, there is a credit of $on the cancelled account, which will be sent out as a refundCCS collections has been contacted and the original collection amount has been removed and was not reported to the Credit BureauThe credit of $has been sent to processing to be mailed to Mr [redacted] within five to seven business days

This letter is in response to the complaint filed with your agency by [redacted] regarding her auto policy cancellation refund [redacted] began her auto policy on July 1, with a full payment of $Our processing team received the requested cancellation on September 15, 2014, and the cancel date was to be effective September 2, The cancellation process was completed on September 17, and the credit was then processed to the billing account [redacted] states she is owed $250.00; however, in review of the account the refund amount is for $The amount of $was the cost for the coverage provided from July 1, to September 2, Since this was a new policy and one payment was made for the full amount, the system recognizes it as the first payment of a new policyWhen a new policy cancels with the first payment, the system will hold the funds to verify they are good before releasing a refund On October 3, 2014, [redacted] called to state she still had not received her auto refundOur representative informed that she would stop payment on the refund and issue an overnight refund checkUnfortunately, the request to issue the overnight refund was incorrectly sent to our processing team, causing the delay Our processing team issued an overnight refund on October 13, 2014, in the amount of $It has been sent via UPS to ensure it is promptly delivered, with the following tracking number: ############The delivery is set for Tuesday, October 14, We apologize for the delay in the refund and for any inconvenienceIf we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, ext##### direct at ###-###-####, or by email at [redacted] Sincerely, [redacted] Nationwide Affinity Insurance Company of America

[redacted] [redacted] *** [redacted] ** [redacted] [redacted] [redacted] [redacted] [redacted] *** *** This letter is in response to the inquiry received from your office on 4/3/ Please allow this correspondence to address the concerns raised in your correspondence After review of your correspondence, we contacted the [redacted] ’s directly to discuss the status of their claim We had been working directly with Mrand Mrs [redacted] since the loss date, with only contents items remaining to be addressed An initial contents claims settlement was made with the [redacted] ’s on content items that had been totally destroyed in the fire loss they suffered Remaining to be evaluated are those contents items that were packed offsite, and later deemed unsalvageable Duplications exist between the initial claims settlement and the updated final inventory listing, which are in the process of being addressed at this time Based upon our conversation with [redacted] , as noted above, we have together agreed to go over the inventory listings this week, to address and eliminate any duplication, agree, finalize and resolve the remaining contents items to be addressed From an Underwriting aspect, review of the account indicates the above noted homeowners policy was placed with our company effective 11/30/for the newly purchased residence located at [redacted] *** The annual premium for that first term was $ The application indicated no prior insurance and that this was the first home purchase for the insuredThe policy premium for the ninth and final policy term was $ The 12/20/fire loss was the first loss submitted on the policy for which $198,has been paid to date It is understood that a freezer was placed on top of a power cord, resulting in the failure of the cord due to pinching caused by the freezer It was indicated that there were also cardboard boxes sitting on top of the extension cord Attached please find a copy of the Notice of Nonrenewal It is a standard notification form which indicates nonrenewal in this case was due to Underwriting reasons including loss severity Every carrier establishes their own eligibility requirements We offer a preferred program and have a duty to maintain competitive rates for our customers, especially those who have been loss free It is the premiums of the many mostly loss free customers that come together to enable carriers to pay for large losses such as occurred in this situationThe premiums paid for this policy alone during years would not have been sufficientFor an unprofitable account, it cannot be assumed there will be no further losses It then becomes necessary to take action on risks that experience loss frequency or severity As loss activity ages, consumers can again qualify for preferred programs having shown they are likely to be a reduced risk This type of loss could have occurred in a brand new home as it was caused by the failure to recognize that the placement of the freezer could damage the power cord, as well as having combustible materials like cardboard boxes placed on top of the power cord Should you have any questions, please contact the undersigned directly Or, if you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] at ###-###-#### or by email at [redacted] Sincerely, [redacted] ***AMCO Insurance CompanyPhone: (###-###-####)Email Address: [redacted]

[redacted] *** [redacted] ** [redacted] [redacted] [redacted] ** [redacted] [redacted] [redacted] [redacted] [redacted] *** This response is in reference to your inquiry dated June 3, 2014, regarding the request to remove [redacted] *** Effective February 22, 2014, driver [redacted] will be removed from the automobile policyThis change was made after receiving information that he is no longer a member of the householdPlease be advised your policy is active and the correct policy number is ########Any refund that may generate as a result of this change will be applied to the outstanding balance on the automobile policyIf there is no outstanding balance, a refund will be mailed under separate cover Allied values the relationship that has developed with you as a customer while serving your insurance needs We look forward to maintaining this relationship in the future, as we continue to provide the level of service and stability you have come to expect If you have further questions, please contact Rhonda McEwen, Personal Lines Underwriter, at ###-###-####, or me at extension ###### between the hours of 8:A.Mand 4:P.M., Monday through Friday Sincerely, [redacted] *** [redacted]

0in 0pt 0.5in;">The policy for [redacted] was renewed on February 12, for $1, The previous premium on her policy was $ There was a general rate increase that was included in the renewal premiumThe member increased the dwelling coverage by about $10,Due to the recent claim, the “Claims Free Discount” was also removed from the policyAll of these factors attributed to the increased renewal premium Please accept my apologies if you feel that any representative treated you in a manner that was less then professional Please do not hesitate to contact me, should you have any additional questions Sincerely, Carol G [redacted]

I have attempted to contact this complainant, and am awaiting a responseThe Complainant's vehicle was towed because the vehicle had WV tags that had expired Apparently the apartment complex had the vehicle towed as it was not registered with them The vehicle has since been dismantled and sold by [redacted] ** We were able to inspect and determined that the only damage to the rear of the vehicle was to the bumper, bumper molding, and tailamp I disagree with complainant's premise that Nationwide is responsible for everything He is the owner of the vehicle and ultimately responsible to maintain registration and insurance on the vehicleAttempting to resolve the damages, will adviseRegards,Leonard P [redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted] As Material Damage Manager, I have reviewed this claim file and would like to address ** [redacted] ’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know.Please be advised that the policy number that was attached to this complaint was incorrect and the policy that this claim was handled under is listed above [redacted] had a personal lines auto policy with us at the time of this lossThe concern regarding the claim being a not at fault loss and it being reported on [redacted] ’s driving record A claim was reported to us on January 22, The facts of loss as reported stated V1, [redacted] ’s, struck a stationary objectOur claims adjuster reached out to [redacted] and she indicated she did not wish to pursue a claim through us so the claim was closed without paymentAs there were no payments issued on the claim, we did not deem this a chargeable lossIn reviewing this complaint, I reached out to the [redacted] Bureau of Motor Vehicles and spoke with [redacted] at ###-###-#### [redacted] advised they get their information from police reports regarding fault [redacted] reviewed the information they have for this loss and indicated there was a police report which indicated it was a single vehicle lossThe description was: “unit backing, struck a pole/parking barrier.” If there is an error on the police report that led to the State of [redacted] being notified [redacted] was at fault, she would need to contact the police department and amend the reportBased on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to [redacted] We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact [redacted] , Office of [redacted] at ###-###-#### or email her at [redacted] Sincerely, [redacted] Nationwide###-###-#### [redacted]

Dear Revdex.com, I have been in communication with the Local Nationwide Agency and we have resolved this issue and I was advised that another insurance company was involved Thank you for your assistance [redacted] ***

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

I am responding to the above captioned Ohio Revdex.com complaint received for theautomobile accident that occurred on December 21st, in [redacted] , OhioThe claim wasreported to [redacted] Company (Allied) on December 22nd, and on this same datethe handling claims associate, Jennifer J***, spoke with Ms [redacted] , who advised she did not havetime to discuss the accident detailsOn December 23rd, Jennifer J [redacted] obtained the police report andspoke with the insured driver, [redacted] ***, and accepted liability for this loss.The investigation revealed that Ms [redacted] struck Ms [redacted] from behind and was liable for assuredcleared distance [redacted] Police were called to the scene and a report was filedJennifer J [redacted] then reached out to Ms [redacted] on December 23rd to discuss the claim further and Ms[redacted] would not provide a statement regarding the accident details and confirmed that she was infact injured and would be seeking medical treatmentMs [redacted] advised she would be using her ownautomobile insurance, [redacted] Insurance Company, to handle the property damage to her vehicleOn January 7th, Ms [redacted] and MsJ [redacted] spoke to discuss the handling of the injury portion of theclaim where Ms [redacted] advised of the injuries she sustained and treatment being sought with Dr[redacted] MsJ [redacted] presented an offer to resolve the bodily injury claim being presented; and Ms[redacted] advised she did not wish to resolve her claim at that timeMsJ [redacted] sent a MedicalAuthorization for Ms [redacted] to completeClaim associate Jennifer J [redacted] ran an ISO search inDecisionNet to determine if Ms [redacted] had been involved in any prior lossesAfter running ISO therewas a match for Ms [redacted] which was completed by her insurance carrier, [redacted] Insurance forthis lossDecisionNet pulled her information including her social security number based off thegeneral information from the police reportThis Medical Authorization has not been returned by Ms [redacted] and because we do not have herwritten consent, Allied has not contacted any medical providers as no such authorization has beenreceivedNo information has been shared outside of Allied due to privacy practices and regulationsOn February 26th, Allied received a Property Damage demand from Ms [redacted] ’s carrier, [redacted] Company in the amount of $4,which included the $collision deductibleItwas reviewed and an offer was presented by our subrogration specialist to [redacted] InsurancePlease know that we will issue the $deductible to Ms [redacted] at this time and will send to herhome address immediatelyIf you have any additional questions please contact Angela S [redacted] , [redacted] Office of Customer Advocacy at ###-###-#### or [redacted] Sincerely,Nicole B***

The information in the response from Nationwide in inaccurate I applied for the loan online on November 16, and didn't receive the requested amount until Monday, December 14, (nearly month later) I have attached a copy of two pictures: the first showing acknowledgement from Nationwide on November 24th and the second showing the numerous amount of times the loan needed to be cancelled/resubmitted The information I received from Nationwide was that the third party administrator ( [redacted] ) was at fault When everything was finalized, it is obviously the burden of responsibility lies with Nationwide It is apparent to me that Nationwide does not have the ability to handle individual issues as they arise They were more interested in bickering with the third party administrator than resolving the issue It is completely unacceptable the way everything was handled I applied for the loan giving myself (what should have been) plenty of time to have it for Christmas shopping I'm a single mother and not knowing when or if I would receive the money was not only frustrating but aggravating Do I expect someone at Nationwide to drop everything and work on my problem? Yes, I do!! As of the end of November, the loan had been approved by my employer, the third party administrator and by Nationwide itselfHowever, it took until December 15th to finally receive the deposit I am now stuck paying additional shipping charges in order to guarantee Christmas delivery and some items are out of stock and now not available I couldn't be more disappointed in the way Nationwide handled the entire transaction

[redacted] *** [redacted] ** [redacted] [redacted] [redacted] *** [redacted] Please accept this letter in response to [redacted] ***’s correspondence dated August 20, regarding the above cited claim If I understand [redacted] ***’s request clearly, she has requested a copy of the independent adjustor’s report The independent adjustor’s report is considered our work product and therefore is not something that we release At this time we are waiting on an itemized estimate from [redacted] ***’s contractor to resolve any discrepancies there may be in the damages Sincerely, [redacted] AMCO Insurance CompanyPhone: ###-###-#### [redacted]

Mr [redacted] is not our insured and he is not listed on the policyWe have looked into his concerns regarding this claim and we continue to stand by our decision that there was no coverage for the loss that occurred on April 2, We sent a letter to our insured, [redacted] explaining our decision in detailUnfortunately, since [redacted] is not listed on the policy, we can not share these details with himThank you for allowing us to review this matter [redacted] /Nationwide Insurance

Dear [redacted] This letter is in response to the inquiry received from your office on February 11, 2015. The inquiry was routed to my attention for response as I supervise [redacted] the claims associate assigned to this claim. [redacted] stated in his complaint that we have not reimbursed him for mileage, tolls incurred for treatment visits, and lost time from work. He further stated he requested a Qualified Medical Examination and was denied and that we are “stalling” the settlement of his claim. [redacted] is requesting $1,136.00 for his mileage and tolls reimbursement and $9,060.00 in lost wages. This claim was reported to us on September 26, 2013. Based on the statements we obtained from both drivers, pictures and estimates of damages to both vehicles, and an accident reconstruction report, this was a very minor accident where a healthy adult would not likely sustain an injury from this type of accident. The current medical records for [redacted] and the information we have obtained to date does not support his claim against our insured. A fair and reasonable settlement offer was extended to [redacted] in October of 2013. This offer was rejected and [redacted] continued to treat with his chiropractor. A subsequent offer was extended to [redacted] in June 2014, which has also been rejected. We believe that we have made a fair and reasonable offer based on the information that we have gathered to date. We regret that [redacted] does not agree with our evaluation. If there is additional information that he has not provided we will gladly review it. If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext. [redacted] or by email at [redacted] Sincerely, [redacted] AMCO Insurance Company Phone: ###-###-#### Email Address: [redacted]

[redacted] [redacted] *** [redacted] ** [redacted] [redacted] [redacted] We are writing in response to your inquiry into [redacted] ***s claim The claims associate assigned to the claim, [redacted] spoke to [redacted] on October 7, regarding her estimate We have explained what is needed to resolve [redacted] ***’s claim Thank you for providing us with the opportunity to review the claim Sincerely, [redacted] , AMCO Insurance CompanyPhone: ###-###-#### [redacted]

I have received, read and rejected Nationwide's latest response to my Revdex.com complaint In doing so I have considered the following On 01/28/I informed [redacted] that I was not being represented by an attorney in respect to this Revdex.com complaintHowever it seems that Nationwide chose to communicate with the attorney I used initially during a legal dispute about coverageHowever this is a minor matter compared to the other observations I have When read chronologically, rather than in the order presented by Nationwide, Nationwide claim to have transferred money from my old policy to the new policy on January 31st, but have later demanded (and cashed) a further payment of premiums from me as a 'required initial payment' The bill I received was for monthly payments, in lieu of a lump sum payment, not merely an initial paymentI have previously submitted a copy of this document In addition to the payments listed in the Nationwide message they have also billed my mortgage company, [redacted] I am informed by my mortgage company that they issued payment to Nationwide on February 7th in the amount of $ So currently Nationwide has a premium payment from me in the amount of $, a sum left over from my previous policy of $PLUS payment from my escrow amount of $ Apparently Nationwide think I am owed no refund and that this matter is being handled properly In general my grievance is this On December 11th I was informed that my policy was terminating days laterThis was a breach of contractNationwide have falsely stated that I was given days noticeThis is untrue and I have previously submitted the documents showing that I was given days notice I submitted the documents for a new policy on December 13thI have submitted these documents, along with the email informing me that Nationwide had all they needed on that date, to the Revdex.com and NationwideSubsequently Nationwide have falsely stated (on multiple occasions) that they did not receive these documents on 12/13/- despite my having sent copies of their acknowledgment of receipt I was informed that I would get a difference check / refund sent to me for the difference in cost between the remaining months of my previous policy payments and the amount that the new policy payments would total for those monthsNo such check was ever forthcoming and it appears now that Nationwide has instead decided, instead, to take all the money as additional premium paymentsPerhaps the Nationwide agent who has made a number of previous statements will now claim that no such agreement was made? Normally I would have not been required to make any more insurance payments (through escrow or otherwise) until May I have, instead been sent two invoices for payment in January and February, the latter for the entire premium for a new annual policy As I was not in a position to raise an entire new annual premium months before it would normally be due I was charged a $fee for making only a monthly payment in February, months before I would normally have been expected to make any payment In addition to demanding extra payments from me several months before they would normally have been due Nationwide has also billed my mortgage company and been sent a full annual premium payment out of my escrow accountAs this happened earlier than would have been the case had my policy not been improperly canceled my monthly escrow payments have increased I had hoped to resolve this dispute through the good office of the Revdex.com However I have now concluded that this is not going to happen Nationwide are making no attempt to deal with the question of their repeated falsehoods Nationwide currently have been overpaid for the new policy but continue to claim that no refund is owing As a result of this I feel that I am left with no option other than to take legal action I filed in the General Sessions Court of [redacted] yesterday I have also submitted a complaint to the [redacted] Commissioner for Insurance I would like to thank the Revdex.com for their assistance to date, even if we were not able to reach a conclusion Regards, [redacted]

My home was broken into 02/18/the suspect lives next doorIt appears the suspect was watching for me to leave and made several trips and I returned home unexpected and caught the person in my homeHe was arrested and the home was processed and evidence collectedI was told to make a list of items taken and I would not need a receipt for items taken but it would helpFor weeks nothing happened they said they were busy from claims back east working hr days days a week and I understoodThen my local agent got involved and sent a e-mail against my better judgmentThen things changed the claims adjuster changedNow he wants receipts and has called places that I have done business withIt's really sad I am approaching the month mark and have not had any thing replaced including the damage that was causedThe suspect has another court date in a couple of weeks, we have a graduation approaching with a lot if guest planned really wanted my home back to and my electronics replaced before then but I'm not sure that will happen the way they are handling this matterAt this point I could not recommend Nationwide Insurance to anyone, I would really do my research before I give them my hard earned money

This is a follow up inquiry regarding a complaint received from [redacted] We have discussed the expenses related with the time it took to determine the full damage of his vehicle and we have agreed to pay the entire loan payment that he had requested We have made payment to [redacted] in the amount of $ He was very happy with this decision and he has no further concerns with this claim If you have any further questions, please feel free to contact me

[redacted] [redacted] *** The estimate you submitted is the Nationwide estimate We are aware of this estimate as it is our estimate What are your concerns or questions regarding this estimate? Thank you! [redacted]