Nationwide

To Whom It May Concern:
We have received the complaint referenced above from your officePlease accept this letter and
supporting documentation as our official responseWe have accepted liability on behalf of our insured for
this lossWe have been trying to get an itemized breakdown of the
damaged mailbox from ***
*** for the last months; this is Mrs***'s contractor
We have left messages every week since July and our last message was 1/29/We would like to
pay Mrs*** for her damage but need a breakdown as listed belowOnce we have this information we
can review it with our property department, for consideration of payment
) A breakdown showing the square footage of bricks
2) The amount of labor hours broken down by hours and hourly rate
3) The amount of mortar and material for the job
If you have any questions or need anything further please feel free to contact our office

This is in response to the additional request from *** *** to have our calls pulled for reviewI had pulled and reviewed the recorded calls involving *** ***’s policy set up and based my prior response from those call recordingsOur response remains as writtenPlease refer to our previous response as it was a summary of those call recordingsIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** *** Customer Resolution & Response TeamNationwide###-###-####***

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** ** ***
*** *** *** We are writing in response to your inquiry into *** ***’s claim. The claims associate assigned to the claim, *** ***h, spoke to *** *** on September and today September 24. We have explained what is needed to resolve *** ***’s claim.
Thank you for providing us with the opportunity to review the claim.
Sincerely,
*** *** ***
*** *** ***, AMCO Insurance Company
Phone: ###-###-####
***

I am following up with you in regards to the above mentioned customer complaintI receivednotification of this customers concerns on 6/6/after I had already made contact andscheduled an appointment with Ms*** ***, who is our policyholder Judy ***s’daughterI met Ms
*** and her fiancé at *** Auto body on Tues 6/7/around 11:30am and reviewed some concerns in which Ms*** was presenting relative to repair quality asa result of her collision loss that occurred on 08/18/2015Ms*** pointed out some areas of concern on her mothers leased Toyota PriusIoffered to contact *** Rent a Car and provide a rental vehicle to Ms***, in an effort tohave *** Auto body remove the rear bumper cover from the Toyota Prius to repair it.I then called the local Avon branch of Enterprise, and was advised that there were no availablevehicles at that location nor at any of the local branches, until other customers returned some oftheir fleet vehicles that were out in serviceMs*** agreed to allow *** Rental todeliver an alternative vehicle to her place of employment the next morning, at which time I hadarranged for *** Auto body to pick up the Toyota Prius and bring to their shop for athorough inspectionMs*** left with a clear understanding of the next steps in this processMs*** returnedwithin several minutes to advise me that she just called the Lakewood *** branch andwas advised that they in fact have rental vehicles availableI then asked for the phone numberthat Ms*** called and I dialed the number and put my phone on speaker in an effort to allowMs*** to witness the conversation with EnterpriseI spoke with Josh at the Lakewood*** branch who stated they did not have any vehicles to rent until the following dayMs.*** witnessed that conversation and agreed to follow our agreed upon original planI followed up with phone calls to *** Auto body and *** all afternoon until around5:pm, at which time I was advised a customer returned a rental and that vehicle could beoffered to Ms***I followed up with Ms*** and advised her that she can drop off hermothers Toyota Prius at *** Auto body and pick up the rentalMs*** dropped offher mother’s vehicle and secured a rental vehicle on the evening of June 7, Ms***followed up with a call to me advising she secured a rental and dropped off the ToyotaPrius at *** Auto bodyI drove to *** Auto body on the morning of June 8, 2016,unannounced, and requested to see the Toyota Prius, along with all parts invoices fromthe completed repairs from the loss date of 08/18/During my inspection of the 2013Toyota Prius, I observed collision type damages that appeared to be caused after the initialrepairs were completed in October I called Ms*** and explained in detail my on-siteinspection findings and advised her that the damages of poor quality workmanship that she isconcerned of and claiming appear to be unrelated to the 08/18/loosThe damages appearto be a result of a more recent impact to the rear of her mothers Toyota PriusThedamages to the cover where it mounts to the left and right quarter panels as well as spider typecracks in the facia area, suggests some type of impact occurredMs*** disagreed andstressed again how much she felt that *** Auto body was not being honest with herI further explained to Ms*** that *** Auto body has agreed to perform all necessarycollision related repairs to the rear of her mothers Toyota Prius, at no additional expenseto the *** familyI offered to follow up with Ms*** after I return from vacation on June 20,2016, and address any concerns she may have, prior to turning in the lease vehicleMs***seemed ok with my resolution and thanked me for providing such thorough explanationsIt ismy understanding that Ms*** is ok with the resolution to this complaint and will follow upwith me directly in the event she has any further questions or concernsIf you have anyadditional questions please contact Customer Relations Coordinator Angela Shingary at *** or ***@nationwide.com

A little over years ago I had a natural gas line fail in my residenceThe next day when I turned on my gas stove and had a small explosionWhich ended up putting me in the hospital for a monthweeks of which I was in a drug induced coma as my lung had been burnedAfter getting out of the hospital and submitting a claim, yes the house was insured with Nationwide, They sent me $1,and canceled the insurance policyWhich barely paid for one of my ambulance ridesSo every time I see the nationwide commercial saying how they are on your side, it rather irritates me to say the leastIn my opinion nationwide is on no ones side but theirsI am now trying to pay off over $55,in medical bills, while I wasn't expecting them to pay the whole bill, the way it was handled was callous and a slap in the face

*** *** nationwide insurance at *** *** *** *** *** **.gave me quote on my gmc denali months policy 0f $which I paid in full .Three months later I came to found out that *** *** has been deducting monthly premium of the same policy of my account for three months without my knowledge,when I contacted him on that matter he said it was an accounting error and it will be corrected as soon as possible.By the following month it happen again so this time I toally discontinued my policy and moved on with another company which made him very upset by taking me to debt collectors for an amount of $39.99.I had a really bad experience with nationwide insurance I will not recommend it to anyone

We have received the complaint submitted through the Revdex.com by *** *** ***Ms*** has stated in the “Customer Experience Information” document provided to us, she has had two cats insured with VPI for the last years. She states both cats have had
catastrophic illnesses this yearAccording to her, VPI reimbursed less than 45% for the first cat and nothing for the secondshe is contesting the second claim. As of the date of this complaint, Ms*** has an active policy for *** *** ***, Policy Numb3er ***, but chose to cancel her policy for *** Policy Number *** as of September 16, 2015. We will address the contested second claims under policy number ***, however we would like to remind Ms*** that the Superior Plan works exclusively with a benefit scheduleWe respectfully refer Ms*** to section “Benefit Provisions-Plan E” of the policy: 4.A “We will pay reasonable and necessary veterinary services expenses for pet’s condition that occurs and is treated during the policy termTo be eligible for payment your pet’s condition must come within a primary diagnostic code listed in the Superior Plan Benefit ScheduleEach condition is eligible for payment under only one primary diagnostic code and any applicable secondary diagnostic code, per incident 4.B “The amount we will pay for any condition covered by this policy is determined by: (1) your veterinary services expenses, (2) the Benefit Schedule, and (3) your deductibleWe will pay 90% of covered veterinary services expenses up to a maximum of 90% of the Benefit Schedule diagnostic code that applies to your pet’s condition, less your deductible.” Review of policy *** for *** *** ***, indicate that three claims (claim #’s ***, *** and ***) were recently temporarily denied until additional information was submitted in order for us to process her claims correctly*** *** *** has several noted pre- existing conditions which are excluded from coverage on her policyDuring this initial review of her claims it was noted that the claims submitted were for the condition of severe chronic rhinitis which is also one of the excluded pre-existing conditions therefore we placed a temporary denial code on the Explanation of Benefits instructing the member to submit medical records to review this exclusion as well as the claimsTo date, this information has not been received Our policies do offer members an attending veterinarians the option to have claims reviewsSection “Review” of the policy states” “You may request a review: (1) if we deny your claim in whole or in part, or (2) to ask that we remove an excluded condition listed on the Declarations Page or Renewal Certificate of your policyYour report must be in writingYou must provide us with all medical records and any other supporting documentation upon our reasonable requestWe will not review request to remove any excluded condition unless the condition has been cured for at least six (6) months before the date of your requestAll review decisions are final.” In order to assist Ms*** with the review process we have attempted to obtain the medical records on her behalfOnce we receive the records we will be able to complete a review of the claims listed aboveThe review outcome will be sent under separate coverShould you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G***, at ###-###-#### or via email at *** Sincerely, Ben W*** *** *** *** *** *** ***

I disagree with Nationwide Insurance Company decision on not replacing my roof. The information that they provided about my roof is false. The roof is damaged from hail stormThe hail storm have blown off shingles from my roofThe water has seeped into the wood, causing water damage from the missing shingles from the roofI do not have a gasket and vent pipe problemNationwide has made up information about my roofThe missing shingles have caused many leaks, and wood damage to my roof, walls, and carpet damages in several roomsThe $2,dollars will not repair the roofThe money want even repair 1/of the roofThis money want cover the material and laborer to fix my roof. I have inside damages as well, due to the water leaks the hail storm have createdNationwide company has given me a raw dealThey need to make this problem rightNationwide need to give me the right amount of money to repair my roof and inside damages due to hail storm. Sincerely Yours,
*** ** ***

This letter is in response to the inquiry received from your office on December 30, Our Policyholders, *** and *** ***, reported a claim with a Date of Loss of September 30,on October 1, for tenant vandalism*** *** Candice M*** contacted
Mr.*** on October 1, and arranged to have an Independent Adjuster inspect her home onOctober 6, A payment for the undisputed portion of the loss was issued on October 19, of$9,A payment for Loss of Rent was issued on November 4, of $2,and also onDecember 5, for $totaling $2,341.96.On November 2, Mr*** inquired about settlement for his AC unitOn November 6, 2015we advised him that we would need an inspection and report from an HVAC Technician to determine ofthe unit was in fact vandalized and if it could be repaired or replacedWe received an estimate from Mr.***'s HVAC Technician on November 11, The estimate lacked detail regarding how thedamages were caused and did not specify if the unit could be repairedWe advised Mr*** thatwe would need additional information on November 17, On December 3, Mr*** sent us an ernail advising us that he had another report thatanswered our questions however we misunderstood the correspondence and were not aware that therewas another report in placeWe continued to communicate with our Policyholder in December andattempted to contact their HVAC Technician a few times to discuss their findings but did not hear backfrom them until January 4, On that date we were able to confirm that the damages to the HVACwas in fact intentional and it did in fact need to be replacedIn light of that information we sent thepayment for the damaged HVAC system on January 5, for $5,If you require further assistance in this matter, please contact our *** *** ***, GerrieH***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Pamela L*** ***

Nationwide seemed very nice over the phoneI did not have an issues with the employees and how the job was performedMy issue is that a customer OF Nationwide hit MY vehicleSo a claim was filed but Nationwide refuses to cover the damages done to my vehicle because they favor their own customersTerrible experienceWhats the point of having insurance if I am going to get punished for using my own? Whats the point of having insurance if the person who caused the accident HAS insurance, But the insurance company will not do anything to cover damagesThanks for screwing me Nationwide

My father did consent to putting me on his policyThe paperwork that was supposedly mailed to me was never receivedWas it sent registered mail to verify a signature of receipt?
I had spoke to a representative from Nationwide named "***" x#### on/about 5/14/regarding the chargeShe explained that yes the policy was put into effect with no apparent signature/agreement in placeNationwide does not enforce any policy verbally like that is being stated aboveTherefore, she would backdate the policy to January to absorb the chargeNow all of a sudden, the charge still applies and Nationwide has no record of this conversationThat is bad business and should be dealt with accordinglyThey obviously assigned the policy without having proper documentation and coverageA Pennsylvania Insurance Commission complaint will follow this complaint as well
Regards
*** ***

This letter is in
response to your request for information pertaining to the above file
Our records indicate the Auto policy renewed effective April 4, as $334.80. We received notice to cancel on May 1, effective April 28, 2015. The Auto policy was cancelled effective April 28, and a balance of $remains for coverage
The total charged for coverage from April 4, to April 28, was $80.30. A payment of $was received on April 1, 2015. There were two $service fees charged. The total charged of $plus $charged in service fees minus $total payment equals $charged for coverage provided up to the cancellation date of April 28,
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at #########*, Ext. *** or my email

Greetings dear Revdex.com staff;
I appreciate the response from Nationwide and it is the same issue I was explaining for them for over a week after the date of accidentFirst, I searched everywhere in *** *** and *** for a similar SUV matching my car regarding the make and year and never found any car below the price of $7000-10,Nationwide sent me some file by email showing price quote for similar pathfinder cars matching my car regarding the manufacture year and millage found at some car dealers in *** and *** and when I called them by phone I found that these cars were SOLD OUT almost a month ago! I worked very hard on this issue to find a car before the end date of the car rental that they offered to me and finally I found my current car Toyota 4Runner with almost the same millage BUT this car cost me $9,including the purchase price and some urgent maintenance work to make it running good as my wrecked car
The cash value that they estimated was unfair as I never found a matching car for a price lower than $7,that may/may need serious maintenance work, so the $4,that they issued for me is almost half price of what my car worthMy car was fully serviced and maintained at the best condition and I used to travel everywhere with it from *** to *** and *** without any little issue and on the day of accident I was heading *** because I was scheduled for an important appointment with the USCIS and because of that accident I missed this appointment and that affected potentially and negatively on my application and that was an additional damage that their insured client caused to me!!!
Thanks for Revdex.com and Nationwide BUT really this accident caused me a lot of financial hardship and I lost about $5,from my pocket just to get another matching car

I am a new customer of Nationwide bank I deposited an employment check into my account using mobile banking I was told that it would process in two business days I went to check my account yesterday and it was completely locked up I called and they said that my deposit needed to be verified My paycheck from a corporation needed to be verified I didn't argue, I simply asked how I could do this They told me that I needed to email a copy of my paystub to them I emailed them immediately I checked this morning and it is still locked So I called and they told me that it takes business days to process that I told them that I have written checks against that money They told me that the checks would be returned if the verification was not complete I asked them if they could please expedite the process They said no and they recommend that I contact the people I wrote a check to and tell them not to cash it until the verification was complete I told him as a new customer this is not the best first impression He basically told me sorry about my luck Now I run the risk of bouncing checks even though Nationwide has my money and will not release it

June 9,
">
MsCatherine McLaughlin
Dispute Resolution
Revdex.com of Columbus Ohio
Dublin Road
Columbus, OH 43215-
Company Name: Nationwide Property & Casualty Insurance Company, NAIC #:
Revdex.com Complaint #:
Complainant: Kelly ***
NW Policy#: 5345V
Dear *** ***
This letter is in response to the inquiry we received on June 4, regarding the above referenced policyholder, *** ***
On December 2, the *** *** agency spoke with Ms*** when she contacted the office to notify them that she was officially the owner of the vehicle on policy *** and a spinoff policy *** was written in her name with the same coverage she had on the prior policy
There is a finding of no error as there has been no documented request for LOU/Rental coverage either on Ms***'s prior policy or on her current policy. When her vehicle was added to the policy, there also was no request for LOU/Rental coverage
In addition, we sent the inception declaration page to the member on December 18, It was mailed to the members address listed on the policy and a copy is attached. Also, a copy of the dec page of the policy is attached
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support

Thank you for the opportunity to respond to *** ***’s inquiry.
Roman';">Per notes from the *** *** ***, the named insured, *** *** went to the agency 12/9/to obtain a quote for auto insurance. The payment plan *** *** chose when he decided to bind coverage was the EFT pay plan. This plan required a down payment of 25% of the term premium, which was $284.85.
On 1/12/2015, *** *** phoned the agency to remove a vehicle from his policy. The policy premium decreased as a result of this change.
On 1/20/2015, there was a premium increase to the policy Victoria Automobile Insurance mailed *** *** a letter dated 12/9/requesting documentation that an incident from 11/15/under driver 2, *** *** was a “not at-fault” accidentThe requested information was not received, so the policy points were changed and backdated to the inception dateThe agency staff discussed this with *** ***, and he appeared to understand why the policy increased.
On 1/27/2015, *** *** went to the agency to sign a cancellation requestPrior to making the decision to cancel, he called and inquired about the cancellation processAt that time, he was informed that a mid-term cancellation would be subject to short-rating according to company guidelinesHe asked for further details regarding why and how this is calculated, and the agency explained. After several conversations with the agency staff about the process, *** *** elected to cancel his policy effective 1/27/2015.
The agency monitored the policy to ensure the cancellation processed timely. On 2/11/2015, they called *** *** to advise he would receive a refund of $19.20.
The agency preemptively informs their clients of the possibility of a balance after cancelling the policy mid-term. Short-rate cancellations are not processed at a agency level so there is no way for the agency to know if the clients will receive a bill or a refund until the cancellation is processedThe agency felt they maintained a good agent-client relationship with *** *** and kept him informed of policy changesEnclosed is a copy of the SC policy which outlines the short-rate process for mid-term cancellations.
If you have any further questions, please contact our Customer Relations at ###-###-####Sincerely,
*** ***
Centralized Sales Operations
Nationwide
###-###-####
***

Thank you for the opportunity to respond to the Revdex.com regarding policy number
*** for *** *** and to address her concerns about the policy
On 2/13/2015, *** *** purchased a six month insurance policy from the Right Answer Insurance Agency with a paid in full bill plan.
On 2/14/*** *** was sent her policy document, policy declarations page and ID card. The cancellation during policy period is outlined on page of the policy document provided, subheading of the General Policy Conditions. As stated “the refund will be computed in accordance with the short rate table and procedure, which is the unearned prorate premium X .90.”
On 4/29/*** ***’s cancellation was processed per her signed request effective 4/30/per the procedures outlined in her policy document. A return of premium check for $was sent on 5/1/to the address on file
I trust that I have addressed the issues within *** ***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** *** *** * *** *** *** *** ***
*** *** ***
*** ** *** *** *** *** ***
class=""> This loss occurred on July 7, as stated by *** *** *** ***The *** was contacted by a Nationwide Claim Specialist on July 7, and temporary housing was providedNationwide *** *** *** contacted Mrs*** on 07/11/and discussed the contents portion of this loss*** *** *** responded to the loss where she met with the *** and inventoried the contents in the homeClaim Specialist offered mask to the *** asking if they wanted to enter the homeThey put the mask on and then decided they did not want to go into the houseClaim Specialist then asked them are there any valuables or anything you would like brought out to them and they stated no*** *** *** *** advised Claim Specialist they had everything they needed from the home and had no need to go inThe contents of the home were inventoried, sent to the *** and payment was issuedThe *** later contacted the Claim Specialist stating they had a jewelry box with expensive jewelry and a collection of arrowheads and civil war buttons that were located in what is identified as the third bedroomThe only room that was burned out of site was the son’s bedroom*** *** *** *** were advised all items in the room where they stated these items were was identifiable and the aforementioned items were not in the roomClaim Specialist reviewed her photos of the loss location and returned to the house which had been secured by the property to search for these items with negative results*** *** *** *** were advised of this and asked for proof of ownershipClaim Specialist asked the *** to provide documentation or photos of these itemsThe *** stated the arrowheads and civil war buttons were authentic and were appraisedThe *** submitted photos and values to NationwideUpon reviewing them it was obvious these documents/photos were printed from the internetWe spoke with the *** in reference to the documents submittedThey advised these documents were sent in because the original appraisal were located in the attic and burned in the fire along with any photosThey were then asked for the name and location where the appraisals were obtained and they advised they could not rememberAt this time no verification of ownership has been received

*** *
*** *** ***
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*** *** took his vehicle to *** *** *** Inc for repairs *** ***’s vehicle is a Ford Fusion SE with mileage of 69,609. Collision related damages were to the rear of *** ***’s vehicle in the amount of $4,(see attachment for repair estimate). *** *** *** is an On Your Side Repair Shop for AMCO and all repairs are guaranteed for as long as *** *** owns or leases his vehicle. Nationwide’s On Your Side Auto Repair Network Manager, *** ***, re-inspected the vehicle after all repairs were completed. His expert opinion is that *** ***’s vehicle was repaired correctly and per industry standards
*** *** is demanding $for diminution of value for this covered loss. Nationwide’s offer is $475.00.
Breakdown of Offer: $for diminution of value + $for the appraisal fee *** *** incurred.
The $for diminished value was based on damage modifiers as follows. The vehicle sustained moderate damage to the structure and cosmetic panels. Damage is considered moderate when there are 1-structural components replaced and or more non-structural / cosmetic panels replaced
NOTE: *** ***’s vehicle was in two prior accidents. One occurring 7/18/with *** (front end damages totaling $6944.91) and another accident on 1/10/with *** (Left side damages totaling $1664.60).
We are willing to reimburse *** *** for the appraisal fee of $
Our position is that *** ***’s vehicle has been repaired to pre-loss condition based on industry standards. In addition, based on the fact that *** ***’s vehicle has been subject to two prior losses and repairs, we stand firm on the amount offered for diminution of value
Thank you for your consideration in this matter. Please feel free to reach out to me with any questions you may have.
Sincerely,
*** ***
*** *** *** ***
AMCO Insurance Company/ Nationwide Insurance Company
Phone ###-###-#### Email address: ***

Obviously, someone does not know how to read doctor's notesThe note on 7/30/clearly states that she has laryngeal paralysis and that the lateral chest X-ray shows a cardiac silhouetteAt no place in the 7/30/notes was pneumonia even mentioned.
As I mentioned when I spoke to the rep, I never had these issues when it was VPI and now that it has been taken over by Nationwide, I am having issuesI am hugely disappointed in NationwideThey have lost a customer since I will not be insuring my new puppy with themI will also not recommend Nationwide to friends, family, and other dog training professionals.
So much for being a loyal customer for years
Regards, *** ***