Nationwide

I am writing in response to Ms***’s complaint regarding her requests for a Loan Modification regarding the property referenced in her complaint*** *** *** *** *** ** ***Per the attached response provided by Nationwide Advantage Mortgage Company dated march 29,
2016, the property in question is not eligible for Loan Modification in part because the mortgage loan is secured by a property that does not serve as her principal residenceAccording to FHA guidelines, only an owner occupied residence may be considered eligible for Loan Modification. Additionally, the response offers information regarding the Right to Appeal, but requires that the appeal be delivered in writing to: Nationwide Advantage Mortgage Company, ** *** *** *** *** ** *** not later than April 12, To this date, a formal appeal has not been received and the right to appeal has therefore expired.
I am very sorry that I am unable to offer further assistance in this matter.
Sincerely,
Anne C***
*** *** *** ***

*** ** ***
*** *** *** ***
*** ***
*** *** ***
*** ** ***
***
*** *** ***
*** *** This letter is in response to your inquiry dated July 30, 2014, regarding the above referenced automobile policy If I do not provide the information you need for this matter, please do not hesitate to let me know.
Regarding policy cancellation
While Road Side Assistance is considered to be an important coverage we offer to our members, if it is utilized excessively within a short period of time the policy will be cancelled per our underwriting guidelinesWhen the policy was reviewed it came to our attention that between 06/29/and 03/22/ten claims were reported. The underwriting guidelines in *** state we may take underwriting action on a policy if there are seven or more roadside claims in a month period. These guidelines are approved by the *** Department of Insurance.
Our records show that RSA claims were reported on the following dates: 03/22/14, 08/26/13, 05/06/13, 03/23/13, 01/30/13, 01/09/13, 06/30/12, 12/12/11, 12/10/11, and 06/29/11.
Nationwide understands when an unexpected vehicle breakdown occurs, this coverage is important to our members and we want to be of assistance when they need it. Each time a call is made for Roadside Assistance, this is considered a claim on the policy and is counted towards general claims frequency Claim frequency can result in underwriting action being taken against a policy.
We will be unable to extend coverage on this policy through 7/04/due to the fact that our policy terms are for six months. The policy was cancelled on 6/22/14, at the end of the term, and the cancellation can not be reversed to extend it for additional time.
Regarding Notification
A cancellation letter was mailed to the address on the policy on 05/12/giving thirty days notice of cancellation.
Regarding roadside coverage
We did not include the word "unlimited," in any marketing, endorsement, etc. as we were aware that due to underwriting guidelines, it might become necessary to remove the coverage.
We also have removed from the marketing information the phrase "call us as many times as you need," as we felt it was misleading for our members.
Based on my review, this was properly handled. We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me.
Enclosed:
Notice of cancellationProof of mailing
Sincerely,
*** * *** *** *** ***###-###-#### ***

class="MsoNormal">Mrs***’s issue deals with the damages surrounding an auto accident, which occurred on 3/9/15, in which her vehicle was struck in the rear by a Nationwide insured. Mrs*** is also a Nationwide policyholder, but in relation to this accident we addressed her damages from a third party perspective. Shortly after the date of loss, a property damage estimate was established and Mrs*** was compensated based on that estimate. The damages which were isolated to the rear of her vehicle totaled $586.85. Several weeks afterward, she contacted the MD Specialist, Chris S***, and advised him that her vehicle now had engine damage, which she felt was related to the loss. MrS*** met with the claimant and her mechanic to reinspect the vehicle on April 14th. At that time, she was advised that in order to determine whether or not the damages were related to the loss, she would have to authorize, at her expense, a tear down of the vehicle to determine the actual cause of the damage. She was also advised that if it was determined the damages were the result of the impact Nationwide would address the additional damages. On May 8th, Mrs*** contacted us to advise that she had spoken to her mechanic and that he said there was no way to determine what the nature of the damages was and that the engine needed to be replaced. At that point we advised Mrs*** again that in order to address the issue, she would have to authorize the tear down to determine the cause and allow us to reinspect the vehicle. She refused to do so stating that there was "no question that it was related and we should pay for the damage". In subsequent conversations with Mrs***, we've reiterated our position, but she has yet to authorize a tear down of the vehicle or provide any additional or new information to substantiate her claim. I contacted Mrs*** again today to confirm if she has taken any additional steps to diagnose the damage to her vehicle and she confirmed that she has not. She still feels that the additional damages, although the cause or severity is not documented, are related to the rear end impact and, as such, the responsibility of Nationwide. At that point, I again reiterated our previous position and invited her to provide documentation to substantiate her loss. Unfortunately, she still refuses to do so. Regarding the allegation of lack of follow up, she stated that she has followed up with her agent requesting a refund of premium under her personal auto policy and they have yet to follow through. She could provide no specific detail regarding claims associates who have failed to respond. It appears her perception of the delay deals with the fact that we have not agreed, at this point, to compensate her for the additional damagesI advised her during our call today that the issue regarding her premium should be addressed directly with her agent. We have personally called the agent and advised *** ***, agent, of Mrs***’s concerns. She ended the phone call by stating that she would not let the issue drop and that she would consider pursuing legal action against Nationwide.
We have clearly and concisely advised Mrs*** that there is no indication that our insured would be legally liable for the damages to her vehicle’s engine. We have compensated her in the amount of $586.85, for the property damage to the rear of her vehicle, but have also advised her that if/when she chooses to allow a qualified mechanic to tear down and assess the cause of the damage to her engine, we will be willing to reinspect the vehicle and address any additional accident related damages. However, at this point we can not honor her request to consider her vehicle a total loss or to pay her an additional sum of $4000.00. Please feel free to contact me if you need additional information or have questions.
Sincerely,
Timothy BB***
*** *** ***

This is a follow up complaint to ID #### A refund check that was "lost" finally showed up after weeks and I deposited it as told to by *** ***In the mean time Nationwide issued another check.I spent a lot of time trying to resolve this problemWhen that check showed up I was told I could tear it up or send it backThen I was informed by my bank that a stop payment had been put on the first checkI spent over an hour on the phone asking if the 2nd check was going to be any goodNow I find that my bank charged me $for the stop payment that Nationwide put on the checkNot my fault that this happened.I want my $that I was charged for a stop payment that I had no control over

I have read the response from nationwide I have never been satisfied with repairs As it is right now, there are issues with chain gouges/paint damage evident on the part of the frame they straightened Evidence of altered/twisted inner fender mounting bracket with paint damage Also, inner fender well-mounting holes not aligned properly, as they drilled other holes to mount and left open holes.
At the time of nationwide inspection, Chad P*** was informed and took pictures of automobile He was informed of warning light on and transmission issues, that were not present before wreckChad stated his boss, Ronald S***, said not a result of wreck or towing with rear wheels on ground I contacted a repair shop that I use; they said transmission issue could be related to both At inspection of transmission, the repairs est@ $800.00, compared to D&D est.of $+ partsThe warning light issue - D&D ford repair shop knew of this at time of repair and just reset fault light It came on @miles later I repaired fault myself @ cost of $105.00,compared to D&D estof $ The auto has only been driven a total of around miles since 10/07/2014, due to wreck and transmission issue The Mustang was bought new in Octof and it only has 64,miles on it It was a birthday gift to my wife and she was the only driver The auto was always kept garaged and was free of any damage, until the wreck, it was considered in excellent condition I had recently asked auto dealers about trading it in After car fax report, *** *** *** did not want it D&D would take it @ fair condition value, after transmission repair, which is $6417.00, compared to excellent condition of $8101.00, as it was prior to wreck; a loss of $to me A third Ford dealer said, they may take it if it passes inspection by their mechanics, good luck with that The conclusion is, nationwide insshould pay full loss of value @ $1684.00, as fair compensation I cannot see how nationwide insonly values loss @ $300.00, as even if it had no evident issues, it still would be devalued @ $ Please note I have received no compensation at this time I have faxed Revdex.com the Kelly Blue Book evaluation of before and after wreck valuesThis shows how they rate autos in this situation.Thank You,
*** ***

Thank
you for notifying us of your complaintWe strive to provide our customers with
the best possible service, and when a customer feels that we failed to meet
their expectations, it’s important for us to know
We’re
sorry that you received service that prompted you to contact us with
a
complaint, and we regret any inconvenience or frustration that this experience
has caused youTo ensure that our staff conducts itself in a manner that
reflects the high regard that we have for our customers, we always review them
I’ve reviewed this complaint with the technicians that were involved with your
service as well as with our Service Manager
We
did sell and install a new furnace and air conditioning system 10/1/to the
***’sThat equipment has a warrantyThe other equipment at the ***’s home
is not covered by a warranty or a Service Agreement
There
has been a series of service calls at the ***’s home going back to November
2, that concerned work on a thermostat that our company did not sell them
nor installed for the ***s’Since that first call most of the services done
at the ***’s home have not been on the furnace or the new air conditioner but
on their thermostat or on a humidifier, both are not covered by a warranty or
by a Service Agreement if they failThe work we did on the furnace was covered
by their warranty and the ***’s were not invoiced for that repairThe
***’s were invoiced for working on their thermostat problem
It’s
apparent that some miscommunication has occurred along with the repairs made
and work recommended about their failed thermostatThe ***’s were made aware
that their thermostat was defective on the first service call on November 2,
Their thermostat has caused the dispute in the center of this complaint
Our repairs are not in dispute nor are our warranty or Service AgreementThese
two service components did add to the discussion on the job as to what will be
covered or not covered under these two ContractsThis is why the invoices were
sent out from our office after they were reviewed for a warranty or covered by the
Service AgreementsIt was understood this would take place since our
Technicians were being told it was covered by the ***’s and our office was
explaining it would have to be reviewedThis is our explanation for sending
the ***’s an invoice after the repairs were completed
I
will concede a concession in your situation due to your history with usThe resolution
of $will be shown as a reduction on your account and the two invoices will
be termed no further charges
Our
customer’s patronage is important to us, and we sincerely apologize for not
meeting your expectation of quality service
Thank
you again for bringing these matters to my attention
Sincerely,
Mark
Favret
President

I, *** ***, along with my mother, *** *** spoke with NW reps in 12/when the policy was first processedI told the NW rep I had a lienholder & so did my mother (*** ***)We asked about collision insurance one because it's required by
law when a car has a lienholderWe stated our concerns that in the event of an accident, liability insurance is not beneficial because it does not cover the policyholders vehicle & it's a state law when there's a lienholderThe NW rep stated, "I understand." And DID NOT during the conversation tell us that NW DOES NOT provide collision insurance on cars yrs or olderWe spoke with NW REPS several times before reporting the accident & it wasn't until we filed the accident claim & spoke with the Claims Adjuster that the policy did not have collision coverageSpeciality was ready to process the claimI FOLLOWED UP NW this is when I was told, rudely, by a NW rep NW did not provide collision on cars yrs or olderWE WERE NOT MADE AWARE OF THIS WHEN THE POLICY WAS WRITTEN.
NW is lying when they say that I nor my mother did not mention the vehicle has a lienholderIt is REQUIRED BY LAWYou risk going to jail, get fined, or suspended licenses.
Both (I & my mother) were on the phone speaking with the NW REPSI was told they had recordingsI am requesting ALL transcripts.
Regards,
*** ***

*** *** ***
*** *** *** ** *** ***
*** *** **
*** *** ***
*** *** ** ***
*** *** ***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***. As Central Sales Operation Support Manager, I have reviewed this file and would like to address *** *** If I do not provide the information you need for this matter, please do not hesitate to let me know
The policy correspondence that was mailed from the agent’s office was not sent with a return receipt requestAll documents that were mailed were not returned by the Post Office
An official call review was completed. It was found that *** *** called our Service Department on May 19, to inquire about a collection bill he receivedHe advised he had already made the payment with his agencyThe representative asked if he was referring to the $collection amount and he stated yesShe confirmed the payment was received on April 17, The policy they were referring to was #####The representative then informed there was another policy set up #######*** *** advised the named non-owner policy was set up by the agency after his car stopped workingThe representative advised policy ####### cancelled due to non-payment effective March 15, She advised the collection amount owed on the policy was $*** *** advised he never authorized the new policyThe representative reiterated that the policy had cancelled for non-paymentShe advised bills, declarations, and a Notice of Cancellation were mailed to his residence address on fileShe verified his address because he stated he never received anything from Nationwide regarding this policy
The representative then advised if the new policy was flat cancelled back to the inception date of January 20, 2014, he would not have coverage and would therefore have a lapse in coverageShe informed the balance due of $was valid for coverage provided from January 20, until March 15,
*** *** continued to advise that he never authorized the new policy nor did he sign anything for a new policyThe representative advised she could see if the policy could be flat cancelled which would more than likely remove the collection owed, however, she didn't recommend that option as he would have more of a lapse in coverage*** *** advised he would call his dad to see what he says, because he never received anything from the agency concerning the new policyShe provided him with her name and extensionThe representative who handled the call on May 19, was *** *** Had the member reached the representative back, she would have needed to contact underwriting for approval to flat cancel the policy back to the inception date
During this call, the representative did not advise that the policy was put into effect with no apparent signature/agreement in place nor did she advise Nationwide does not enforce any policy verballyNo action was taken on this policy as the member advised he would contact her back after he had spoken with his dad
On May 28, 2014, *** *** contacted our Service Department and requested to speak back with Courtney*** *** advised that Courtney had agreed to backdate the cancellation date of the policy, since he did not sign anything authorizing the policyThe representative took ownership of the call and advised she would need to reach out to his agencyShe explained we are unable to backdate any cancellations with out receipt of proof of insurance*** *** did not wish for the representative to contact the agencyHe requested to speak with a supervisorUnfortunately, a supervisor was not available; therefore, the member was referred to the Personal Line Services Escalation TeamA member of the Escalation Team advised *** *** that the collection amount would stand as the policy was issued to prevent a lapse in coverage
Based on my review, this inquiry was properly handled. However, I am sorry that the outcome was not satisfactory to *** ***. We strive to meet 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 me.
Sincerely,
*** ** ***
*** *** *** ***
###-###-####

I am writing again to inform you of such matter with Harleyville Mutual Insurance Company Only after the Revdex.com got involve did they send a claim adjuster out to look at the damage A few days later we recieved a checkA copy is inclose My name is incorrect spelledWe have not cashed the check So since Harleyville said they made such a a try to contact *** ***And did not get satification We have a new contractor with *** *** ** *** a licenced contractor who will be rebuilding the mail box for usa copy of *** *** estimation is enclosed
If the Revdex.com choose to call *** *** please feel free to do so ###-###-#### Our mailbox hade no depreciation I feel like we deserve more thant what Harleyville has offered us
Please help us to settle this matter so we can let *** *** rebuilt our mailbox
Thank you,
*** * *** ***

I don’t think you understood my complaint or even bothered to read itAs I stated in my previous comment the car was brand new I just bought the car, I still had temporary tags on it when someone crashed into meI now have the paper work to prove this car is mines, I also have the bill of sale of when I bought the car which is dated before this accident occurredif you need me to fax over this information please provided me a fax number and I will be glad to do soas I also mentioned in my previous comment my boyfriend was driving the car at the time who does not live with me, nowhere in my policy does it states I can not lend my car outThis was a breach of contract and my policy should not have been canceledalso I dont know if you noticed, but there is no resolution being offored here
Regards,
*** ***

*** *** ***
*** *** *** *** *** ** *** *** *** ***
*** ***
*** ***In response to the latest letter received from ** *** I propose the following:
I will re-open this claim, contact MsGeck early next week and set an inspection of the property myselfI will arrange to have a structural engineer present to inspect the property and make a determination as to what caused the damages to the home.
I will bring with me a copy of the homeowner’s policy and all applicable endorsements.
Please contact the undersigned directly with any questions on this matter.
Sincerely,
***
*** ** ***Nationwide Insurance

Thank you for your recent inquiry regarding a complaint you received from *** ***We have reviewed and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not
hesitate to let me know. The concern regarding cancellation *** ***’s policy ***, renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. This policy was set to cancel due to claim frequencyThe claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/and 05/29/There were also lapses for non-payment on 05/12/and 07/12/2014. However, ultimately, the policy canceled for nonpayment effective July 12, 2014; the policy was in force until it cancelled for non-payment of premium. The request for reinstatement was denied as the policy was already set to company cancel for claims; and due to prior lapses. The concern regarding amount due after cancellation Nationwide received two payments for the policy during the policy term beginning March 19, 2014, until the cancellation date of July 12, (see billing breakdown attached)The balance due reflects premium owed up until the cancellation date. Based on my review, this was properly handled. We trust this will resolve all pending concerns.
However, if you should have any questions or wish to discuss the matter further, please feel free to call me. Sincerely, *** *** *** *** *** Nationwide Insurance ###-###-#### ***

tab-stops: 27.0pt .5in" class="MsoNormal">
Nationwide values our customer’s opinion and feedback regarding their claims experience. Ms*** did display the fact that she was not pleased with the way the Casualty Claims Associate explained the liability outcome in relation to her accident on July 27, We apologized, and appropriate coaching and feedback was provided to the associate
Please be advised that Ms*** ***'s vehicle was repaired at On Your Side Shop, *** *** *** and Nationwide Insurance provides a warranty on the repairs and alternative parts for as long as the customer owns or leases the vehicle
I became aware of the problems Ms*** had with her vehicle on Thursday, August 27, After speaking with Ms***, I learned that she was not happy with the sheet metal alignment, color match, air-conditioning not working, and that the engine turned it self off after running for about ten minutes I have apologized to Ms*** and I have reassured her that I will address and resolve all of her concerns
On Friday, August 28, 2015, I have reinspected Ms***'s vehicle with body shop Manager, *** ***, and went over all of the customer concerns*** reassured me that the vehicle will not leave the shop until the repairs are done correctly*** *** informed me that the body shop will pay for the customer's additional rental expenses while the vehicle is at the body shop for repairsOn September 1, 2015, I have authorized the body shop to replace the aftermarket front bumper cover with an Original Manufacturer Equipment bumper coverDuring the repair process the vehicle also was taken to a Nissan dealer, *** ***, in *** ** for the engine stalling issue. We made sure that they checked the vehicle outAfter the repairs were completed the vehicle was delivered to Ms.*** on Wednesday September 9, *** from the body shop went over all the repairs with Ms*** and she took possession of the vehicle. I have called Ms*** on September 10, 2015. I spoke with Ms***'s husband, *** ***. Mr*** told me that he was happy with the repairs but he found few issues with the vehicle he was not happy withHe found scratches on one of the wheel covers and wanted the wheel cover to be replacedThey have also noticed some kind of rattle noise coming form the front of the vehicleMs*** and Mr.*** already spoke with *** at the body shop and had an appointment with the body shop for September 11, 2015.
On Friday, September 11, 2015, Ms.*** and Mr*** stopped at the body shop and met with ***The body shop replaced the wheel cover and diagnosed the rattle noiseI have called *** on September 11, 2015. He told me that the wheel cover was replaced and also that he located the rattle noise which was the hood stopThe hood stop was too low and needed to be adjusted. Ms*** left after the wheel cover and the adjustment to the hood were correctedAfter Ms*** left,
*** at the body shop received a call from her. He was informed that the rattle noise is still thereMs*** will be bringing the vehicle back on Monday September 14, to have the noise diagnosed. I have instructed *** at the body shop to send the vehicle to Nissan dealer, *** ***, if they cannot locate the source of the rattle
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at***
Sincerely,
Krzysztof K***
*** *** *** ***
Nationwide
###-###-####

I brought my *** cleaner to the *** *** location for repairI got a call from *** telling me the cost for repair and that he had to order the partsHe said he would call when it is readyI didn't hear back, so after 1/weeks I called*** said he was glad I called because he lost my numberHe said there was a problem, he had to order from another supplier, didn't know how long it would take to come inI said to order the parts and repair itAnother 1/weeks I called again, *** said there was a problem getting the old part out because "someone" had glued it on the bottom(Now I know no one has done that, I had opened it up last year to do a belt replacement and it did not have glue in there)I asked when I could pick it upHe told me he hadn't finished it, because the part came without the screws, and he had to get someHe said it would be ready next weekNo call again so I called back, he said it would be ready the next day for pick upI had to pick up at the *** *** locationSince it was a Saturday I said alrightThey were closed due to tropical storm Hermine, understandableSo I drove from work after Labor Day to pick upWhen I arrived he said it was in his car, had to run out to get itIt was not finished, I had to wait while he tried to put locking washers that didn't fit, wrong sizeI was also told the cover broke while taking it off, he would order me one no chargeBottom line I got it back in worse condition than when I dropped it off! I have to order the missing washers and wait for them to never order the coverI was so *** I just took my cleaner home and will never use them again!

class="MsoNormal">*** *** ***
*** *** *** *** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** ** **
As requested, I am providing a written summary of Nationwide’s position in regards
to *** ***’s tenant policy
On April 14, 2014, *** *** purchased a *** *** tenant policy at Nationwide.comThe policy was requested with an effective date of April 14, On May 1, 2014, *** *** contacted Nationwide Direct to have the tenant policy cancelled. He had purchased a home and obtained insurance through another carrier. A cancellation request form was sent to *** *** via fax to sign and return. It was confirmed that *** *** signed and returned the cancellation request form. During processing of the cancellation, it was discovered that the incorrect policy number was entered on the cancellation form; therefore, the tenant policy was not cancelled. In reviewing the files, this was a company errorThe cancellation form was sent to *** *** with his North Carolina automobile policy number on it instead of the *** *** tenant policy number.
MrWhitney submitted documents indicating that he obtained insurance through another carrier effective April 24, 2014. Therefore, we have adjusted the cancellation date on the *** *** tenant policy to April 24, 2014. A refund check in the amount $is being mailed to *** ***. We have also notified Credit Collection Services of this error and the balance has been cleared with them
We sincerely apologize for the inconvenience *** *** experienced.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ***
*** *** *** *** * *** ***
Nationwide Insurance Company
Phone: ###-###-####
Fax#: ###-###-####
Email: ***

A review of our records show that the Member started the quoting process and bound this policy via Nationwide’s website, Nationwide.com, on December 14, The policy remained in force until cancelling effective November 1,
for non-paymentThe last payment received was on September 3, in the amount of $A billing statement was sent to the member on September 21, by email at ***@mchsi.com and by way of the United States Postal Service indicating that a payment in the amount of $was due on October 14, On October 20, 2015, a Notice of Cancellation was mailed via the United States Postal Service as required by the Georgia Department of InsuranceThis Notice indicated that the policy would cancel effective November 1, if payment was not received by October 31, Payment was not received by the due date, so the policy did cancelOn November 6, 2015, a Payment Notice was mailed to the member via the United States Postal Service indicating that the bill for $represented the unpaid balance due for coverage provided from the June 14, renewal to the November 1, cancellation dateThe Notice also advised the member that if payment was not made, that it was possible a collection agency might contact her and that it could have a negative effect on her creditA copy of each document is enclosedThe member called Nationwide on February 16, 2016, indicating that her vehicle was inoperable and that she had cancelled her tags and had called Nationwide requesting that her policy be cancelledOur associate inquired as to when the member contacted Nationwide and on what date she cancelled her tags, but she was unable to rememberIn the State of Georgia, Nationwide requires a signed, written request from the member in order to cancel an insurance policy; whether it be through DocuSign or a Policy Cancellation Request form that we can mail or fax to the member for their signatureThe member indicated she had not signed a cancellation formAlso, a search of our Call Copy recording system shows that since September 3, 2015, Nationwide has received two calls from the member’s phone number ###-###-####The first call was on February 14, 2016, and lasted only thirty-five seconds before our associate advised the caller that she could not hear them and for them to call backThe second call was received on February 16, at which time the member explained her concern regarding the collection letter she had receivedAfter our associate was unable to find a signed cancellation form in our document repository and no documentation of a previous in-coming call, she advised the member that we could adjust the cancellation date if she could obtain documentation from the Department of Motor Vehicles as to when she turned in/cancelled her tagsThe member indicating that she was not willing to obtain the documentation needed and that she would contact the Revdex.com insteadAs was indicated to the member, the November 1, cancellation date of the policy can be adjusted with proof that the tags were cancelled prior to that dateOnce the member obtains proof, the documentation can be faxed to ###-###-####A cover sheet should be included with the Automobile policy number clearly stated on both it and the Department of Motor Vehicles documentThe cover sheet should also indicate that she would like the cancellation date of the policy adjusted to match the date the tags were cancelledOnce the cancellation date is adjusted, Credit Collection Services will be automatically notified of any adjustment to the owed premiumIf the date adjustment fully clears the balance owed, any additional credit will be refunded to the memberIf you have any further questions or concerns please feel free to contact meSincerely,

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** *** *** ***
***
***
Thank you for the opportunity to respond to the Revdex.com regarding policy
number #####for *** ***r and to address her concerns about the policy
This letter is in regards to the memo received on 06/19/
When *** *** purchased her policy she signed the application and agreed to the
terms statedThose terms expressed in detail that if she was to cancel the policy at her
request prior to expiration, the cancellation will be calculated as the unearned prorate
premium xThis is commonly termed Short RateI have attached a copy of the signed
application from *** *** agreeing to these termsPlease see page 6, lines 3-of the
Applicant Approval
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

Over weeks on insurance claim no check mail delay maybe??
it took a week to get claim finalized, or days to hear from processing still without a vehicle after weeksTheir customer hit me should have had a check in days not to mention their unscrupulous valuation of my vehicle which was totaledI have progressive & usually week tops to get settled

Please find my response next to nationwide response in brackets:
[Our records indicate Mr*** contacted our office on July 6,to apply for insurance
coverage for his pet
CodiBased on the information provided at the time of application, the policy was approved and became
effective July 20, 2015.]
That is correct First of all, thank you for responding to my complaint, as this is the first time
you (Nationwide) has given me a response other than 'your claim is under process'
[We received a claim on July 30, for the treatment dates of July 21,to July 24,The claim
submission included medical records from June 12, to July 24, The claim form stated "sclerosing
encapsulating peritonitis" as the diagnosisDue to the close proximity of the treatment date to the policy effective
date it was necessary to request complete medical records in order to determine claim eligibility]So what, accidents happen Along with my claim filed on July 30, 2015, I faxed sheets of detailed medical documents to
Nationwide I also included my pets first and last healthy pet exam These documents by themselves have been self
explanatory and should have been sufficient to process my claim I should not have been asked to clarify simple
statements that are already clear and especially when such clarifications directly impact in the claim to get unreasonably
delayed (and realize that all through this, my pet is fighting for its life due to an unfortunate accident)[After contacting our office to determine what was required to process his claim, Mr*** submitted information
dated August 10, clarifying his pet's last physical exam was performed on June 12, The information
was forwarded to Underwriting for review]Yes, but nothing happened after that I had to call Nationwide times for them to yet to again issue another so-called
'clarification'[Based on our review of the letter and medical records submitted, it was necessary to clarify the surgical findings
with the treating veterinarianA questionnaire was faxed on September 11, to *** *** ***
***, to the attention of Dr*** *** The review completion is pending the questionnaire from Dr.***
This is a serious problem Dr*** had provided very detailed information in her clinical notes exactly addressing the
concerns of the so called yet again clarification questionnaire Regardless, I contacted Dr***, and she confirmed that no such fax has been received by her I had to contact Nationwide yet again and the customer servicestated they will try faxing again Please realize, doctors are very important busy professionals (who play a life-saving role in lives of many), and their clinical notes should be treated as an artifact, and here I have to yet again run around various people and making sure my claim does not get stuck in oblivion (all for answering a question that they have already answered)and realize that all through this, I have here a sick dog, and his treatment has taken a back-seat while I struggle with the Nationwide on his very first claim It must be noted that I have to file subsequent claims as well, and more importantly I have to focus on the treatment of my pet who is fighting for its life due to the accident It is sad, that Nationwide has taken away the focus from my pets treatment and instead they have made me run around my insurance claim[Mr*** indicated in his desired settlement that we stop misleading other consumers with blatantly wrong
statementsWe are sorry Mr*** feels mislead and is dissatisfied with his policyWe do not believe we are
misleading to consumers and at the time of policy issuance mail a copy of the policy contract to the policyholder
to allow them time to review the terms and conditions Mr*** requested his policy be canceled after the claim is processedWe have accepted this complaint as his
written request to cancel and have canceled as of the date we received this complaint, September 11,The
cancellation of his policy will not impact any review of the claim submitted]
This is wrong "First" my claim has not been processed and fully re-imbursed (in fact it has not been re-imbursed at all)Further, I have to file subsequent claims as well And importantly if my premuim that I payed Nationwide is not re-imbursed (which it hasn't)
then my insurance should not to be cancelled But first, I want Nationwide to do its first job Nationwide sings over and over:
"Nationwide is on your (customers) side" Really? My pet is fighting for its life, and Nationwide is again and again
asking for simple (non-sensical) clarifications that are totally unwarranted I am highly disappointed yet again and dont
expect anything better from Nationwide I believe Nationwide does not have stomach to pay any claim, and it will continue
this game of issuing clarifications after clarifications and endlessly delay processing my claim, till either my pet passes
away, or I do, and then there will be no one left to address their clarifications and Nationwide can not only eat away the
premium I already paid, while easily claiming that their clarifications were never answered, and thus their master rationale
of their not paying any claim I am very disappointed.
***

Nationwide's response to this claim was very slow, and the situation was "resolved" before their response to the Revdex.com was even composed (Nationwide's response was dated March and we settled the claim on March 10.) Nationwide continued to refuse to inspect the vehicle or pay for it to be towed My husband and I were forced to pay out of pocket to have a towing company move our damaged vehicle to a "neutral location" so Nationwide's representative *** *** could re-inspect the car Upon ***' re-inspection he agreed with everything on ***'s estimate except for one item which he thought could be repaired instead of replaced However this item was minor and the rest of the estimated repairs totaled the vehicle This is frustrating, because had *** done a complete inspection on the vehicle the first time he looked at it, we would have never been in this situation This also makes me wonder if *** simply did a poor job on his initial inspection or if he had some motivation to have the car repaired instead of totaling the vehicle.?
Following our decision to pay for the vehicle to be towed, I spoke with ***' supervisor again During our telephone conversation he told me that *** had lied to us about what Nationwide would do if we sent our vehicle to *** As stated in our initial complaint, *** had told us that since he was barred from visiting ***'s offices if we had the vehicle sent there Nationwide would either need to assign a different adjuster to the claim or we would need to pay for a tow The option to "assign a different adjust to the claim" was a lie ***' supervisor said that *** "had" to lie to us about this, because if he told us the truth (that Nationwide would not re-assign the claim and we would need to pay out of pocket to have the vehicle towed for a supplemental inspection) it would be an improper influence on our decision of where to send the vehicle for repairs Nationwide should be ashamed for lying to their customers If for some legal or ethical reason they can't tell the truth about what their policies are related to certain companies (like ***) they should be following through on whatever they say So in my situation, if they "had" to lie to me and say they could re-assign the claim, then Nationwide should have re-assigned the claim like we asked them to What is most infuriating looking back on this situation is Nationwide insurance lied to me about their ability to re-assign my claim and when I asked them to do it they turned around and called both myself and my husbands liars I can't believe that any company would do business this way
Regards,
*** ***