Nationwide

Thank you for your recent inquiry regarding correspondence you received from *** ***. We are aware of Mr***’s concerns and feel
we have been diligent, respectful and professional in considering and addressing all.
The cloths and shoes in question were cleaned with Mr***’s consent by qualified, professional vendors with expertise in water and fire restoration. Upon completion, the ***s questioned whether the items had been properly restored. We met the ***s at the vendor location and inspected the items in question with them. There was not a consensus agreement between the parties regarding the articles in question. In an effort to resolve the matter, we had the ***s select a sampling of items they felt were not properly restored and had them sent to the International Textile Analysis Laboratory for testing. They performed “chemical, Spectra-Light multi-spectrum tests (including ultra-violet light), high-powered microscopic examinations, colorfastness, stability, as well as other extensive and complete testing of all components”. All results and testing did not show “any water damage, mold or mildew, odor, chemicals, residues or foreign soils”. Furthermore, these tests revealed that the items tested did not exhibit any of the problems or concerns expressed by the ***s, which were specifically that the items had “a change in appearance and were ruined”. The analysis found there was “no evidence of any local or dimensional changes.” The testing also found there was “no evidence of fabric weakening, fabric damage or texture change fading or discolorations associated with heat, water, smoke or professional cleaning”. They also opined that all the items tested had been “properly handled in restoration and is presently in the condition that it was in prior to any smoke exposure”. Their final conclusion for the items tested state they did not find any stains or residue or odor in the items tested from causes such as fire, fire suppression, water, smoke, special chemical odor- removal treatments or any other cleaning compounds”. They also found that the tests did not indicate the articles had been “shrunk, distorted, damaged, discolored or has any color or texture changes from exposure to smoke or any recent professional fire restoration care procedures”.
These results were shared with the ***s. The ***'s are not in agreement with the results, but have not provided any physical evidence, or qualified analysis, to support their position. Mr*** has subsequently provided opinions by various other vendors and we have reviewed each and respectfully followed up on all. In short, the ***s appear to simply desire to have items replaced despite the lack of evidence or qualified opinions to justify and support doing so
Mr*** also alleges Nationwide Mutual Fire Insurance Company has not “allowed for the replacement of our property without us supplementing the funds with barrowed money”. We disagree and deny we have not properly applied the ***'s coverage in this case.
Nationwide Mutual Fire Insurance Company has properly and promptly paid the ***s per the provisions of their policy of insurance and will continue to do so
We strive to meet our customer’s needs and expectations while enforcing the terms and conditions of their contract. We also understand that despite our sincere efforts to assist, sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me.
Thank you for bringing this matter to our attention.
Sincerely,
Shea S***

I have not yet received anything from the *** *** Department of Insurance regarding this issue.
I realized that the original policy ######## was written in *** *** nameThat was when I first bought the truck and I may have initiated this policy to be paid using my debit card as a down payment and installments, however, I assumed since I owed the truck the policy was in my nameI am fine with not getting a refund from the time I purchased the truck until the time I sold itWhat I have a problem is that I sold the truck on June 13, and on June 14, until January they had been taking out money from my account to pay for insurance that I cancelled in JuneAnd somewhere there after a policy was issued in my name on a truck that was soldI wanted to find out from the company when the initial policy was taken out and verify the date I cancelled and then tell me who started a new policy in my name after June 13th.
I want to know from them when policy ###### was started and cancelled and when policy ######## was started
thanks.***

*** *** *** ** *** ***
*** *** **
*** ** ***
*** *** ***
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*** ** *** *** *** *** *** *** ** ***
*** *** ***
*** *** *** *** ***
Dear ***
We acknowledge receipt of your notice dated February 4, Please accept this as our response to the complaint.
On November 25, a claim for damages to a vehicle owned and operated by *** *** *** was reported to NationwideThrough investigation of the loss, our insured vehicle was identified to have struck the automobile owned and occupied by *** *** and then, attempted to flee the sceneFurther investigation revealed that the claimant vehicle driver pursued the operator of our vehicleThe claimant vehicle was later involved in a subsequent accident wherein, the claimant vehicle driven by *** *** intentionally cut off our driver which then caused our insured vehicle to collide with the passenger side of the claimant vehicle
Upon initial review of our policy, it was found that the driver of our insured vehicle, *** ***, was an unlisted driverTo further our investigation, we needed a permissive use statement from our policy holder as well as a statement of the loss details from *** ***These were needed to address coverage and move claim to resolutionInitial contact attempts to our policyholder were made on November 26th, 27th, and 29th wherein, messages were left at all contact numbers with a request to call back to obtain the aforementioned informationA written contact request letter was also issued on November 29th, requesting the sameAdditional phone contact attempts were continued on December 5th and 14th as well as sending an additional written contact request letter on December the 5thOn December 17th and due to no response of our contact attempts from our policy holder and or the insured vehicle driver a reservation of rights letter was issued to our policyholder citing their responsibilities and cooperation of the investigation of the loss receivedSubsequently on December 18th, we referred this matter to our special investigation unit to investigate further contact information for our policyholder and insured vehicle driver*** *** was contacted on December 5, and kept informed of the status of the claim investigation and subsequent follow up calls were placed on December 21st and January 4th advising the same
On January 07, we determined that further information should be attempted and verified regarding contact with our policyholderThrough assistance from our special investigation unit, an internet search was conducted and verified our policyholders current addressOn January 13, 2014, a denial of coverage for non-cooperation was issued based lack of response to our multiple contact attemptsThe letter was sent to policyholder as well as notice of the coverage denial to *** ***
If you require further assistance, please contact our *** *** *** *** *** at ###-###-#### or by email at ***
Sincerely,
*** ***
*** *** ***
Nationwide Insurance
###-###-####
***
*** *** ***
*** ***
*** ***
*** ** *** ***
*** ***

*** *** called to arrange to come to the house He wanted to be here for excavation of basement I asked him to come before basement was excavated to see damage uncovered by a tree limb impacting house That I was told to leave tree limb in place, and that would not be possible if excavation began*** *** came to house on September at 1:p.m With him was *** *** from *** *** (a structural engineer) I was expected to show *** *** and *** *** around property on crutches with leg braced as they had difficulty orienting themselves to compass directions (there are only two windows at the rear of my house / east) They seemed to intentionally cause me to be repeatedly be on my feet even though I identified this as being a difficulty
They at no time commented about how certain damage may or may not be covered *** *** stated in his last response that he was "bringing my policy for discussion (I'm paraphrasing here as I am very pressed for time), and I do not recall *** *** carrying anything like a briefcase or papers However, I will check my video surveillance of that time and date, and print a photo of *** *** to clearly determine if he had anything in hand for discussion purposes with me I am stating here that he at no time commented except to be shown directions, and to the best of my knowledge, did not "bring anything" with him
*** *** did carry a large tool bag loaded with camera equipment most of which seemed not to work I did already report to the State of *** Regulatory Commission that *** *** did activate a laser level without warning, and did shine that laser directly into my left eye Had I been given a choice, I would have chosen to not be in the room with any laser equipment due to disability and health concerns *** *** did take photographs, and repeatedly ask for directions If I told him something was feet from the house, he needed me to show him how far was feet I believe they were at my home for hours, or near that amount of time I did receive a phone call at 3:p.mthat day from the City of *** and remember the Nationwide reps just leaving
The only words spoken to me by *** *** were, upon leaving: "you understand we will not cover any damage caused by flooding" I was later told by Nationwide Advocate* *** ***, that *** *** reported that I "refused" to go over policy provisions I asked both men to sit in my dining room where I had a copy of my policy, and they declined I repeated throughout their visit that this time on my leg was a terrible strain to me, and , yet, I was continually called to my feet to show "which way"
I did not understand *** ***'s parting comment as I am really unable to stand for more than minutes even with my crutches and brace I get a fever spike from the pain and pressure His parting words: "we will not cover...for flooding"
While it was explained to *** *** and *** *** that the alley and back yard near my structure were flooded for hours, that I could not figure out how the water came into the house When the tree limb was discovered wedged behind a bush and flower bed which had outgrown themselves after the storm, the part about wind pushing hail through cracks made by impact of tree limb made sense to me, but *** *** did not comment.
When *** *** left, I wasn't altogether certain what he was talking about Did he just mean the water coming through the side door?
In order for water to flood through my side door, the water in the street in front of me would have had to be feet high If the water in the street had been feet high, every house on the block would have been flooded I spoke to several engineers on this matter after Nationwide visited me on the 23, and all provided the same conclusion I was told that the water which had pooled in the alleyway must have been blown by the wind to my side door I did report to *** *** and *** *** that the wind blew from south to north for one hour from 7:p.mto 8:p.m., and that while the hail was hitting the side of the house like bullets that this water flowed or flooded in through my side door
I did then also report that at approximately 8:p.m., that the direction of wind changed, and began blowing from the east to the west with hail hitting my storm shutters like bullets That within minutes of this wind change, I heard a loud bang, and the house shook I checked for glass damage, and found none That after a period of time, I heard another bang I later discovered my basement window well to be collapsed into the copper pipes of my laundry basin
So far, Nationwide has wanted me to believe that my extensive damage all came from the pool of water which drove through my side door, tearing off the bottom weatherstripping, and pooled around my mechanics and floor sewer drain Most of my damage occurred above level of the foundation, but the first two adjusters wanted me to believe that water went up the slope grade of my basement floor, and was wicked to the first floor of the house
I anxiously await the report from September I still have hope that Nationwide will be fair to me However, after living in an unfit house for weeks, I have my doubts
I did contact *** *** and *** *** *** today because the basement was excavated There is a fissure running from the top to bottom of the basement wall where the electric panel got saturated It is a few inches to the right of where the brick was cracked, and mortar knocked out of exterior wall and condenser cabling (inspected by *** from *** *** on June 20, 2014) There is an unlevel portion to the brick exterior house (first floor) where the tree limb struck (it bows inward) and knocked out mortar The orchid wall of the first floor bedroom has discolored yellow around the window where exterior mortar was knocked out I do not know if the fissure in the foundation was caused at the time of impact, or occurred because of the moisture which remained in this wall for weeks following the storm event
Anyway, I did leave voice messages that this fissure was discovered through excavation, and asked if *** *** wanted to return to see it before it was repaired *** *** returned my call, and left a voice message that "I was at your house with *** ***, the structural engineer, a week ago".
I did not respond to this correspondence sooner, as my AT&T service had been damaged since August I only received this Revdex.com response today A crew just came out on September to make the repair after I completely lost service, and *** *** and *** *** were shown the damaged box (impacted by tree limb / cables behind property damaged since August 11) I did tell *** *** and *** *** that AT&T would provide the details, but that they needed to contact They made no comment, and barely examined the box
When *** *** was leaving, I asked him if any wording of my policy will cover my damages, and I was told, "you will have to wait for *** *** to develop his pictures".
I was also told that I would receive a detailed report, and pictures of my damage If I am treated fairly, I will withdraw my complaint However, I want my eye examined!
Regards,
*** ***

I am responding back to *** *** ***’s response dated 07/01/In her responses she states that in her second paragraph that she is willing to review any estimates that I have, but I have not submitting any estimatesHowever this is and untrue statement two claims went out one for my home and one for my outer building’s*** *** *** received the inside claim estimate by and through *** *** *** for claim ###### loss date 01/15/2013, dated 05/date inspected 02/20/and a dated of *** *** estimate
*** *** *** requested a copy of the this bid to submit with my paper work to *** *** *** acknowledged the bid but offered me $dollars for repairs after my $dollar deductible was subtractedAfter going back in forth on the repair cost *** *** stated he was going to send me out a check for only $and stated that the contractors did not need to do all that*** *** over looked the work needed to be done to repair the damageHowever the contractor mention that while doing the repairs they may run in to additional issues due to the conduits up into my attic while re running wires for the doorbellThey already knew that they have to support the main structure beam and re place the ceiling fan bracketHowever they were not charging me any additional. (See contractors bide that was submitted for this noted claim.)
I am faxing the check that has never been cashed due to it not being enough to repair the dining room ceiling, doorbell electrical, ceiling fan and support beam and I am also faxing a copy *** *** paper work that appears the same for the outer buildings
When I requested to go forward to get estimates for the outer structures I was denied this step by *** *** on Claim 2, number###########On claim1, the bid was not honored by *** ***Since then the dining room ceiling has dropped some more.
It appears *** *** *** that M*** *** is deceiving you about both claims and you are being missed informed and you are responding back to me unpreparedI have submitted email showing *** ***’s untruthfulness, I’ve sent documentation showing his untruthfulness and now I am faxing a different claim, but appear to be the same documents that came from *** *** for claim who did the estimate for both of my claimsHow can you explain all the untruth and lies that have been coming from your office?
I also will submit an email I received from one of *** ***’s constituents; it appears that *** was trying to let me know that he is still in the picture while this complaint is going on.
Now *** *** I ask you after you look over all the information before you and tell me that *** was not caring on in a non-professional manner with a customer of nationwide who just paid $premium in June/and don’t forget the $dollars for both my claims
So again I never had a problem getting any estimates as I stated beforeI was not given the opportunity to submit or estimates were not acknowledged when given to *** ***.
I will acknowledge that you stated that you will be reassigning a new adjuster to my claims once I submit the estimates
*** ***

*** ** ***
*** *** ***
*** *** ***
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*** ** ***
*** *** *** ***
*** *** ***
*** *** *** ***
*** ***
*** *** *** *** ***
I am in receipt of your email addressed
to Nationwide General Insurance Company on April 24,
Policy 6132U was bound via the Internet effective February 7, 2014, with a term premium of $A down payment of $was received to start the policy and provided coverage from February 7, to March 7, I have enclosed a copy of the original Declarations for your review
On March 10, 2014, we received a payment of $The payment provided coverage from March 7, to April 7,
On March 10, 2014, the Dodge Caravan was replaced with the Nissan Murano, effective March 1, The change increased the term premium by $I have enclosed a Revised Declarations for your review
The policy was request cancelled effective April 6, Due to the mid-term cancellation, the policy was cancelled on a short-rated basis and a collection balance of $remained on the account
Upon receipt of the complaint, several phone calls were reviewed and it was determined that the member was not properly advised of the short-rate cancellation, therefore; I have adjusted the cancellation to a pro-rate, reducing the collection balance to $The balance is for coverage provided for the
*** *** *** ***
** *** ***
*** ** ***
March 1, vehicle change that we did not receive a payment forI have attached a billing breakdown showing the adjusted collection balance
I sincerely apologize for the lack of information provided to the member regarding the short-rate cancellation for cancelling the policy in the interim of the term and the inconvenience it has causedCoaching and feedback has been provided to the appropriate parties for handling
The member can contact the Nationwide Service Center, at ###-###-####, to make the payment of $to clear the collection balance
Please feel free to contact me, at ###-###-####, ext.#####, if you have any further questions
Sincerely,
*** ***
Nationwide General Insurance Company
*** *** *** *** *** *** ***

Upon receipt of the document submitted from
the Georgia Motor Vehicle Division dated October 9, 2015, showing that the tags
for the Ford were cancelled due to the vehicle being inoperable, the
cancellation date of the member’s policy has been adjusted from November 1,
to October 9, 2015. This adjustment
resulted in a credit of $which has cleared the $collection, and has
resulted in a refund of $20.07. The
refund check will be mailed to the member within three to five business days
Also with the adjustment of the
cancellation date, Credit Collection Services has been notified who now show
Ms***’ account to be closed as of March 3, 2016, with a zero balance. No negative activity has been reported to the
Credit Bureaus by either Nationwide or Credit Collection Services regarding the
prior $balance

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** *** *** ***
*** *** ***
This letter is in response to the inquiry received from your office on 4/21/14. Please allow this correspondence to address the concerns raised in your correspondence.
This will follow up our previous correspondence to relative to this inquiry. In that communication, we had advised you that we had contacted our policyholder in an effort to eliminate duplications and address outstanding items. As a result of this contact an adjustment, payment for $12,was issued to Mrand Mrs*** on April 10, 2014.
After further review of the documentation provided to our policyholders, we were contacted by Mr*** with questions relative to some missed items and price adjustments. As a result of this inquiry, we reviewed the loss again with Mr***. This review resulted in an additional items, with a valuation of $4,083.16. As a result of this review, an additional actual cash value payment will be issued to our policyholder in the amount of $4,083.16.
Pursuant to your inquiry, the additional review has been completed with Mr***, and full actual cash value payment of the additional $4,made at this time as of April 23, 2014. We have been able to work proactively with Mr*** to address and resolve these supplemental items.
While we can appreciate that you do not agree with our decision to discontinue your homeowner insurance coverage with our company, regretfully we do not have another option to offer you at this timeOur homeowner insurance program is available to a preferred market only
Of greatest importance, you purchased an insurance policy from our company and there was coverage applicable for the fire loss you sustained. It cannot be assumed after having a substantial loss that the same type of coverage and premium would continue to be offered. As mentioned before, we have a duty to our mostly loss free customers to maintain a competitive rate for them. We cannot assume that you will not incur another loss in the near future.
Should you have any further questions, please contact us.
Or, if you require further assistance in this matter, please contact our Customer Relations Coordinator, *** *** at ###-###-#### or by email at ***
Sincerely,
*** *** ***Western Claims ZoneAMCO Insurance CompanyPhone: (###-###-####)Email Address: ***

*** *** *** ***
*** *** * ***
*** *** *** **
*** *** *** *** * ***
*** ***
*** ***
*** ** Customer Communication:
Please be advised that insured is represented on this case by Attorney *** ***, therefore all file discussions are proceeding through his office A summary of the case as follows: Vehicle was reported stolen and recovered with collision related damage SIU investigation was initiated as there were indications that the vehicle may not have been stolen Investigation is ongoing Vehicle has been repossessed by ** *** *** *** Collision damages of $4,have been paid jointly to ** *** *** *** and *** *** This payment has not been cashed We have paid the Loss of Use coverage limit of $to Enterprise for rental expenses incurred by *** ***

*** did NOT operate in 'deligence' as Nationwide statesHe did NOT do his job at all in helping me procure a homeowner's policyI will post online and social networks what an unethical and poor company Natiomwide is ESPECIALLY the *** *** agencyMy roommate has already canceled with Nationwide and I will see to it that more people leave this unethical and unprofessional company in the futureI FIRMLY stand by my original stance and I am NOT responsible for the additional monies of due to *** NOT doing his jobRegards, ***

*** ***
*** *** *** *** *** ***
***
*** *** *** *** ***
** *** *** ***
** *** ** *** ***
This letter is in response to the complaint filed with your agency by *** *** regarding her automobile policy. Our records indicate the policy was set to renew effective April 20, 2014, but cancelled effective April 20, 2014, for lack of receipt of the renewal payment. The policy was reinstated with a lapse in coverage effective May 9, 2014. The policy billed on an installment account with payments due on the 20th of each month. Nationwide issued a Notice of Cancellation due to the lack of receipt of the payment due on June 20, 2014. The Notice of Cancellation indicated a payment of $must be received for the policy listed above by July 8, 2014, to continue coverage.
A representative from Nationwide’s customer service center received a payment from *** *** on July 10, 2014, in error as the policy had already begun the cancellation process. Due to this error, Nationwide has reversed the policy to show no lapse in coverage. Attached please find copies of the June bill, the Notice of Cancellation, the payment receipt, and the policy declarations showing the continuous coverage.
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext.#####
Sincerely,** *** *** * *** *** *** ***Nationwide Insurance Companies

This letter is in response to *** ***’s message posted on 1/06/
I am rejecting this response because I do not agree with some of the statements made by *** ***I
would first like to acknowledge ** ***’s concessions and willingness to
work with my family in compensation with rental transportationHis response to
this issue seems fair and greatly appreciated
I
would also like to acknowledge that apparently *** *** and nationwide insurance
also re-ran the vehicle evaluation report after I had contacted the RevDex.com and include more comparison vehicles which I believe *** attached
to this complainAgain I believe this was an attempt to come to a fair
agreement and that too is greatly appreciated
But
I still have some discrepancies with *** ***’s response
1. *** ***
stated that “we did not find any vehicles exactly like *** ***’s which is
not uncommon.”
I
sent an email including links to vehicles that were Regency CORONADO LX
vans
2. *** ***
stated that “We did locate similar vehicles to *** ***’s van and made value
adjustments based on the options/trim”
You
stated that you found comparable vehicles, which I tried to explain is not the
case, all though some conversion vans packages have similar or the same options, they are priced and valued drastically different as a wholeI did notice in the price
adjustment for the vehicles you did find, the mileage adjustment seemed very
different from the industry standardsWhen I ran a vehicle appraisal on both Edmunds, KBB, and Nada, they all can back with a mileage adjustment much
smaller than what valuescope is reportingFor instance, with comp number in
the valuescope appraisal it made a adjustment of -$Where as, NADA,
Edmunds, and KBB had a difference of -$to -$for the same vehicles
with the same mileageThat is a $1030, and considerable differenceMost banks and car lots use NADA, Edmunds, and\or KBB, why
is valuescope so different from other car industry standards?
3. *** ***
stated that “both Body Side Moldings and the Rear Step Bumper are listed as
options on the totaled vehicle and considered in the overall value of the van”
This statement I just don’t understandYes these options are listed, and yes they
are on the report, but I do not see any increase in value for themThese
options are different and just as unique and expensive as running boards and\or
a trailer hitch packageIf there is a value listed for running boards and\or a
trailer hitch package, there should be a value, no matter how small, for the Body
Side Moldings and the Rear Step Bumper.
4. *** ***
stated that “There are two dealer quotes listed on the attached CCC Valuescope” I was disappointed, but not surprised by the “Dealers” chosen for the dealer
quotes listed on pages & of the attached report from CCC Valuescope
Both dealers are located in rural towns of less than house holdsRanseur
and Candler NC are the epitome of a small marketBoth Dealers seem to run “MOM
and POP” shops with less than cars on the lotNeither of them Conversion
VansI would like to ask how these dealers were chosen? And why a dealership
in a community that could support a dealership which actually sold $60,conversion
vans, like the totaled vehicle was when it was purchased new, was not chosen? Rural
markets have trouble selling more expensive vehicles, there for they value them
a lot cheaper than other traditional markets.
Maybe
we are going about this all wrongAll I want is a van similar to mine to comfortably
get my family up and down the roadThe Repair estimate first provide by “Triangle
Collision” had an repair estimate of $9,200.00, of which $1500,
were taxes an laborWould Nationwide be willing to settle for the amount of
the difference $with out the taxes and labor, and let me repair the totaled vehicle myself? With a
couple of what I consider justified adjustments, that amount does not seem far
off from what you are currently offering
To clarify,
there are a couple of changes to the Valuescope CCC appraisal that I think can
easily be argued
1. If you average
the adjusted value of the new "Comps" provided by value scope you get an initial ACV of
5541,not as you have listed earlierDifference of $
2. If you
include other options that can easily be proven exist on my van, that it
currently does not have listed on the valuescope report:
a. FogLamps Valuescope sugested value - $
b. DualRadio Valuescope sugested value - $
c. VCR Valuescope sugested value - $
d. Television Valuescope sugested value - $
e. RemoteStart Valuescope sugested value - $
f. Allow Wheels Valuescope sugested value - $ (According to page of of the
valuescope report, allow wheels are listed with a value of $159, not $a
difference of $95)
3. Using these
values from the Valuescope report you provided, that is an additional $
dollars, that should be added to the settlement offer you provided earlierThe
new total settlement offer would be Total Settlement Offer = $Which is
not far from the $needed to buy all the parts to get my families van
back to where it was before the accidentI would consider this a fair
compromiseI would be willing to provide any documentation needed to support
the numbers I have mentioned so far
In
conclusion, I do appreciate what *** *** has done towards getting my family
back to where we were before the accident, but the settlement offer he
mentioned previously does not seem like a fair and justified compromise because
of the reasons I mentioned earlier
Thank you for your time and your help
Sincerely
*** ***

*** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** ***
*** Thank you for the opportunity to respond to the Revdex.com regarding policynumber ##### for *** *** *** and to address his concerns about the policy.On 09/21/2012, *** *** purchased a six month insurance policy from the InsuranceAnswer Center LLC with a bill plan of 20% down and installments with an electronicfunds transfer (EFT)On 08/18/a Renewal Offer was mailed to *** ***On *** *** ***removed a Jeep Comanche and added a Chevrolet Venture which resultedin a premium decrease of $and a Revised Renewal Offer was issuedOn09/24/*** *** made his renewal payment of $The premium renewed at$*** ***'s prior term premium was $The primary reasons for thepremium increase were violations on *** ***'s Motor Vehicle Report; a speedingviolation and a traffic light violationOn 10/07/*** *** called into our service center and requested to replace the f 990GMC Sierra with a BMW which resulted in a premium increase of $4.00- On10/11/*** *** contacted our service center to request his policy be cancelledHewas advised by the service center associate that we required a signed request andexplained the short rate cancellation procedureThe service center associate emailedthe cancellation request form to *** ***On 10/21/we received a signed request to cancel the policy effective 10/11/12014.On 10/28/the cancellation request was reviewed by our Processing Departmentand the policy was candled effective 10/11/per *** ***'s requestOur companyprocesses all mid term cancellations at the customer's request as a short-ratecalculation or unearned pro-rate premium xThis process has been filed and approved by the Missouri Department of Insurance andis also stated in the applicant approval section of the applicationThe remaining balanceon *** ***'s cancelled policy was $On 12/29/2014, * ** *** contacted the service center and paid the $remainingbalanceThere is currently a $balance on the policyI trust that I have addressed the issueswithin *** ***'s complaintIf I can be of further assistance, please contact me at ###-###-####Sincerely,*** *** *** *** *** *** ***Tel ###-###-####

I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respondAs we stated in our letter of May 20, 2015, we are having a re-inspection completed of *** ***’s home to confirm if the roof is damaged from a covered event under our policyPer *** ***’s most recent correspondence he has hired an attorney to represent him in this lossAs we are now notified of the presence of an attorney, we are unable to speak to *** *** directlyAt this time we await further contact from his legal representativeIf *** *** has already arranged for the re-inspection with *** *** we would ask that this be allowed to go forward so that this loss may be resolvedShould you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***Regards,
*** *** *** ***
*** *** ***###-###-####***

*** ** ***
*** *** *** *** ***
*** *** *** ** *** *** ***
*** *** ***
*** ** ***
*** *** *** ***
*** *** *** *
This letter is to advise of our current status regarding the resolution of the aforementioned case number.
On May 28th, 2014, *** *** *** responded to our first letter stating additional information was available to support her claim. On May 30th, 2014, a letter was sent from Nationwide to *** *** *** requesting this additional information and providing additional contact information for supplying to us in order to work towards a resolution. A copy of the letter was mailed and emailed to *** ***. In addition, a phone call was placed in order to obtain additional ways we could send the letter, yet no one answered the phone and we have received no return call. To date, no additional information has been received and there has been no correspondence from *** ***.
If the additional information we are requesting is obtained, we will review for consideration of resolving this case.
Bill of sale for the Nissan Altima
Registration for the Nissan Altima
Driver license for *** ***
Lease agreement, mortgage statement, or utility bill for *** ***
Police report for the accident on 2/16/14.
If you have any further questions, please feel free to contact *** *** at ###-###-#### between the hours of 8:A.Mand 4:P.M., Monday through Friday
Sincerely,
*** ***
*** *** ***

Dear *** ***
"MARGIN: 0in 0in 0pt class="MsoNormal">
This letter is in response to the inquiry received from your office on January 27,
The complainant, *** ***, indicated he was concerned because he was initially advised the total claim for the other party’s damages was $969.78, and then, after calling in again to see the progress of the claim, the total claim for the other party’s damages was $4,with no explanation as to why there was an increase in the claim amount.
*** *** was advised of our initial estimate amount when he inquired to how much our current assessment of the damages were for the other vehicle. Until a vehicle is completely torn down and all damages are assessed, there could be additional supplements. It was the additional supplements, in combination with the prior unrelated damages, which resulted in the vehicle being considered a total loss. *** *** was initially advised if the damages were under $1,000, then no surcharge would apply to his policy. He was also advised if the damages were to go over $1,000, it would pierce the threshold, and a surcharge would apply to his policy. *** *** called to inquire to the total claim amount at a later date, and at this time, he was informed the vehicle involved had since been deemed a total loss, with the total damages exceeding the $1,threshold. Pursuant to *** statute, our insured was also notified in writing that this loss was considered an at-fault accident resulting in property damage in excess of $1,000. The at-fault determination was made based on the *** Code of Regulations Section that took effect on December 11, 2011.
Additionally, *** *** was concerned that the property damage was settled by “giving the owner of the Honda Accord twice what the car blue booked at”The property damaged was settled by using a consistent process according to the guidelines established by the *** Department of InsuranceThis involved locating and identifying actual comparable vehicles that were available for retail purchase by the general public in the local market area within calendar days of the final settlement offerThe use of a “blue book”, NADA or a internet based valuation would have been contrary to Department of Insurance guidelines as comparable vehicles were located
During his last conversation with *** ***, our Claims Manager, *** ***, explained that even if the claimant’s vehicle damage was actually $any rental paid on the claim would move the property damage beyond the at-fault accident thresholdHe also attempted to address all of *** ***’s concerns including the valuation processUnfortunately, as *** *** very quickly stipulated that regardless of any explanation or response that should there be any impact to his premiums at his policy renewal, he would consider that unacceptableThis precluded us from having the opportunity to directly respond to his concerns
We hope that this response addresses those concerns.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Nationwide Insurance Company of America
Phone: ###-###-####
Email Address: ***

Dear *** ***
Thank you for contacting Nationwide Bank regarding an expected refund to your debitcard account in the amount of $from *** ***We conducted research and verified that your debit card account was refunded three (3)separate entries in the
amount of $9.74, as you were expectingNationwide Bank didnot receive the refund in the amount of $129.00, therefore was not credited to youraccount.During the telephone conversation I had with you on April 8, 2015, I advised that adispute could not be made for the $due to the purchase of the product beingoutside the days timeframe, which is governed by the federal regulationDue to your strong relationship with Nationwide Bank since 1980, and in good faith, a$credit was made to your account on April 9, At the conclusion of our conversation, you stated that you were satisfied with theresolution that was provided by Nationwide BankWe value your business and we can be of any further assistance, please contact me at###-###-####, Monday - Friday, 8:AM - 3:PM, ESTThank youSincerely,
*** *** ***, Nationwide Bank***

I got a call on Good Friday afternoon from Nationwide InsuranceI don't know who it was by it was a agent a femaleShe asked me was I *** *** I said yesShe told me the only way I get a new roof for my home I would have to hire my own structural engineer That was a slap in my faceI didn't like what she told meSo I call *** ***He told me that he thought it was the first complaintAnd said to me that he couldn't do anything about itThey will not resolved this complaintSo I'm writing you back on this*** ***

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This is an addendum to my last letter dated May 27, wherein I indicated our customer, *** ***r, was on vacation. I did speak to *** *** this week. *** *** stated he incurred out of pocket expenses for transportation costs due to his injuries that we were not aware. I advised *** *** we would pay for his transportation expenses under his Medical payments coverage. I informed him his medical bills are being paid by the worker’s compensation carrierNo other expenses would be reimbursable under his Medical Payments coverage unless the worker’s compensation denied benefitsWe are issuing check to our Policyholder for $As far as his liability claim under this same policy, there is no coverage as he was using the vehicle in the course of his employ. Budget claim office handled his claim on his behalf.
Should you have additional questions or wish to discuss, please do not hesitate to call.
Sincerely,
*** ***
*** ***
***
*** ***

We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced fileAs we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms***’s employerWe are not disputing money has been taken from Ms***’s paycheck; we simply have not received any premium payments from the Third Party AdministratorPolicies, like Ms***’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholderMs***’s employer is ADTADT contracts with a Third Party Administrator, ***, to administer premium deductions and remit to NationwideWe want to assure Ms*** that her premium has not been applied to an incorrect policy*** has very strict guidelines for confirming the accuracy of premium deductions from ADTAll premium submitted to Nationwide is sent by policy numberWe are sorry for any confusion caused by emails/letters showing different pet names linked to Ms***This was an isolated error and has been resolvedUpon receipt of this request for information, we again reached out to *** and confirmed they have received two $payments from ADT for Ms***’s policyBased on ***’s cut off times for processing, we may not receive this money until the week of February 22, Underwritten by National Casualty Company
Once the premium is received from ***, we will process the refund within twenty four hours and return the funds to Ms*** via check.Should you require any further assistance in this matter, please contact our *** *** ***, Janice K***, at ###-###-#### or via email at ***
Sincerely,Lynne CH*** *** *** ***