Nationwide

I don't believe a word from the people at Nationwide months in a row I called to complain and they told me what I wanted to hear, and it was a lie!
So, the first month I called to get a day extention on paying my premium, SINCE THEY REFUSE TO CHANGE MY AUTOMATIC PAYMENT DATE, and they said fine My automatic payment date was the 28th I needed it moved to the 2nd Not only did they charge me on the 28th (which they said it wouldn't be charged that day), they charged me AGAIN on the 2nd!! Needless to say I got an overdraft charge from the one on the 28th I called and asked for a refund of my overdraft charge since I wasn't supposed to be charged that day They said OK, it's in the mail A MONTH LATER I called and asked about it, they said it was sent but they will cancel it and send againit's been over weeks since the 2nd one was sentStill not here I finally got someone to say my due date was changed to the 2nd and I cancelled my automatic payment on the 28th (for the second month) I talked to someone in person, they told me that this was fine Well, I just got a letter in the mail saying I didn't pay on the 28th so in being charged an extra $and that there is no other days set up so they are cancelling my policy if I don't pay in full (plus the bogus late fee) I refuse to pay until they give me my $overdraft charge refund!!
Like I said, I don't believe a WORD from themGod forbid I actually had a real claim that needed to be paid!

This letter is in response to the complaint filed with your agency by *** ***, regarding his recent Automobile policy At the March 13, inception of this policy, the semi-annual term premium totaled $1,362.50. All Policy Declaration Pages are attached
Subsequently, the prior insurance classification was changed, due to the fact that Nationwide had not received proof of six months’ prior insurance. This change was effective the March 13, inception, and resulted in a debit of $807.40. The household vehicle count was then decreased from four to two, resulting in a debit of $46.20. Processing completed on April 16, 2013, for the effective date of March 13, 2013. This recognized the Ford F(VIN ending in ***) on this policy, and the Ford Explorer (VIN ending in ***) on sister policy ***, both of which were covered for Comprehensive, Collision, and Liability. Also on ***, were the GMC Sonoma (VIN ending in***), and Dodge Ram PickUp (VIN ending in ***); however these vehicles were covered for Liability only, and therefore ineligible to be considered under the Multi Car discount On May 7, 2013, Uninsured Motorist Liability coverage was added, effective March 13, 2013, due to non-receipt of signed rejection forms. The resulting debit totaled $ On June 12, 2013, Bodily Injury Liability was changed from $50,each person/$100,each accident, to $30,each person/$60,each accident; and Property Damage Liability was changed from $50,each accident, to $25,each accident. Additionally, Uninsured/Underinsured Motorists Bodily Injury Liability was changed from $50,each person/$100,each accident, to $30,each person/$60,each accident; and Uninsured/Underinsured Motorists Property Damage was changed from $50,each accident, to $25,each accident. And, the deductible for Comprehensive coverage was changed from $1,to $2,000.00. The change was made effective June 10, 2013, and resulted in a credit of $ And, lastly, the Chevrolet Camaro was removed from the policy, effective June 12, 2013, resulting in a credit of $ We processed Mr***’s request for cancellation, effective June 14, 2013. Following policy cancellation, a pro-rated balance remained in the amount of $596.36. A final billing mailed to Mr*** on June 20, 2013, and a collection billing mailed on July 10, 2013, (copies attached) Thank you for the opportunity to assist. For additional questions or concerns regarding this matter, please contact SrAnalyst *** *** at ###-###-####, Ext***

I canceled my car and homeowners insurance with Nationwide due to them increasing my rates after months with them stating because my vehicle is no longer newWhen it was time for them to refund monies I'd paid, they did not do soIt took several weeks (almost a month) for them to acknowledge they owed me a refundA representative gave me concrete refund amounts and assured this refund would be expedited and it was not! Not only were all the monies not refunded or expedited, they refused to pay the amount owedWhen I became a policy holder in July, they canceled my homeowners insurance within days and didn't inform me as to whyInstead, they stated I had to fix my houseI couldn't figure out what the issue was on the outside of my house, so I chose a piece of siding near the roof of my house which took me minutes to repair and sent them subsequent pictures hoping that was the issue; that's exactly what the issue was and my policy was reinstatedAs a long standing company, they treat policy holders disrespectfully without much considerationThe least that company could have done was indicate the issues with the houseAs far as the refund is concerned, I've spent a good deal of time on the phone trying to get them to rectify this situation to no availWhat happened to the customer is right? Or making good on their words? This is the worst company I have ever dealt with! Oh the representatives make the company sound impressive with the savings especially if people bundle

I had bought travel insurance from Nationwide Mutual InsCo As I had to cancel my trip soon thereafter, I telephoned asking for a refund I was told on the telephone that my payment was non-refundable, but that I could use the travel insurance that I had paid for, anytime during the year When I called in October, to use the insurance, I was told that I needed to have let them know my travel plans by July, and it was too late, I could no longer use the insurance, which I had paid for Nationwide Mutual took my money and did not provide any service They have an arbitrary statue of limitations which is NOT consumer friendly Shame on them!

Good morning,
Please find attached our response regarding the complaint received from *** ***
Thank you
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Issue #:
Insured's Name:
Policy #: #########
Nationwide Complaint Reason: Poor Time Service - Claims Process
Nationwide Line of Business: Personal Standard Auto
Nationwide Company Name: Colonial County Mutual Ins
NAIC Complaint Reason: 3B
NAIC Line of Business:
NAIC Company #:
Resolution Provided By (Name): *** ***
Resolver's Email Address: ***
Resolution Date: 4/22/
Resolver's Phone #:###-###-####
Resolver's Fax #:###-###-####
Our investigation was timely.
This was a car accident which was reported to us on 2/6/and the investigator *** *** immediately began her investigation which included scene photos, obtaining a police report, obtaining photos of all vehicle’s as well as attempting contact with minor’s parents for statements which was difficult given that kids are in school all day. Our liability decision was made on 3/4/and offers were extended.
Our investigation placed 50% liability on *** ***’s daughter and this is the reason for her complaint. Our decision stands and the police report and statements support this decision

Thank you for the opportunity to respond to Mr***’s inquiryWith respect to a motor vehicle diminution in market value claim, Nationwide’s understanding is that the law is as follows:
The plaintiff’s actual property damages are equal to the difference between the fair market
value of the property immediately before it was damaged and its fair market value immediately after it was damagedThe fair market value of any property is the amount which would be agreed upon as a fair price by an owner who wishes to sell, but is not compelled to do so, and a buyer who wishes to buy, but is not compelled to do soEvidence of estimates of the cost to repair and the actual cost of repairing the damage to the plaintiff’s property may be considered in determining the difference in fair market value immediately before and immediately after the damage occurred.Nationwide tendered full payment for returning Mr***’s vehicle to its pre-accident appearance and functionalityThe vehicle was inspected by a Nationwide employee after the repairs were completed to Mr***’s satisfactionIt is also of Nationwide's opinion, based on our re-inspection; that the vehicle was repaired in accordance with industry accepted standardsNationwide evaluates all requests for diminution of value in a consistent mannerWe consider all factors including year, make, model, mileage, vehicle condition, market conditions and vehicle desirability in the marketplace when evaluating any diminution of value claimBased on the information we have at this time, we feel that Mr***’s Ford Mustang has sustained $in diminution of valueWe trust this will resolve all pending concernsHowever, if you have any further questions, please contact me at ###-###-####Sincerely,Paul G*** *** *** *** ***

Thank you for your recent inquiry regarding a complaint you received from (insert name of the complainant)As Personal Lines Underwriter, I have reviewed this claim file 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.*** *** had a personal lines homeowners policy.The concern regarding the cancellation
The letter *** *** received dated April 6, outlined the hazards that were found during the inspection of his homeAs mentioned in the letter, we would be able to retain the homeowner’s policy with proof of the requested repairs(see attached letter)Since the repairs were not shown to be completed the policy canceled effective May 11, The concern regarding the refund
The Homeowner policy began on February 13, 2015, and Nationwide charged $for the annual policy premiumThe policy was in force for days.- On February 13, 2015, we received a payment for the amount of $83.17, which lowered the balance due to $914.93.- On March 17, 2015, we received a payment for the amount of $83.18, which lowered the balance due to $831.75.- The policy cancelled due to rejection effective May 11, 2015, and $was credited to the billing account in unearned premium leaving a collection amount due of $On April 16, 2015, Nationwide sent a Final Homeowner Bill for the amount of $due by May 11, (see attached)The amount of $is a valid amount due for insurance protection providedThere are no refunds for this policyThank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Advocacy *** *** at ###-###-#### or email her at ***Sincerely,
*** *** *** ***Nationwide Insurance###-###-####***

10pt;">Thank you for the opportunity to respond regarding policy number *** for *** *** and to address his concerns about the policy
Each of Mr***’s installment bills that have been issued have contained a $installment fee that is listed on installment bill itself. Each installment bill also advises that if he wishes to avoid future installment fees he is able to pay his policy term in full
On 6/3/2016, contact was made to Mr*** to discuss his concerns regarding the policy installment fees and how to avoid them. He was advised that he could pay his policy in full or could pay ahead by paying his bill before it would issue. Mr*** was advised that the current installment fee was waived as a courtesy to him, but we would not be able to provide a refund for prior fees paid
If you require further assistance in this matter, please contact our Customer Relations Coordinator, Charity W*** ###-###-#### or by email at ***
Sincerely,
Evan H***

I sent copies of the policy quote for that was paid in full accident free combined discount I sent in a bill about unpaid balance from Titan $also part of the cancellation policy from Titan what Titan refunded to me which was only $they kept $of my policy money and a letter stating the quote they gave me was for accident free paid in full combined discount policy they misquoted me and they wanted more money from me bottom line and kept half the policy after cancellation

Nationwide is not on your side Buyer beware they hate paying claims I've been fighting with them for days trying to get a $check paidIrritate in ***

Thank you for the opportunity to review and respond to Ms***’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, The basis of her complaint is the increased premium on the policy since released by the agencyThe policy when
bound had a coverage amount of $168,with a premium of $Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repairThe reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyedThis is done through taking measurements of the residence and making observations of the construction features of the homeOnce obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,The review was completed on November 19, which was within the first days of the policy contractThe first days of a policy has a provision called the discovery periodThe discovery period is used to complete the underwriting processThe insured was notified of the coverage discrepancy on December 19, The letter mailed to the insured advised that the coverage would be increased from $168,to $272,effective October 23, 2014, the inception date of the policyI can see no response from the insured until early July Since that time, there have been multiple changes to the reconstruction costI have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suiteThe reconstruction estimate has been corrected, coverage lowered and premium amendedEach time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014.
On July 28, the policy deductible was changed from $to $The change in deductible will reduce the premium amount for the coverage amountThis change was effective July 28, The first days of the contract had a $deductible which would mean the premium was higher than the $which the insured is making her calculations in the complaint fromFrom July 28, through the present date, the premium is based upon a $deductible which is where the difference in the refunds to the premium appears to beWe hope the response is beneficial in explaining the insured’s concernsIf anything additional is needed, please contact Sharon W*** at *** or via phone at ###-###-####Sincerely,
Thomas P*** *** *** ***

My first impression with Nationwide within the first year was fairly positive when I first started using themI had a joint policy with them for car and homeowner's insurance and the first six months there tended to be a few mixups concerning my payments and billing issuesFor example, I ended up enrolling in auto payment so I didn't have to worry about whether or not I was going to make a payment on time, but my payments were not being automatically deducted from my bank accountThen my bills were getting sent to the wrong addressI called and thought the problem got resolvedI started recieving monthly statements in the mail for my car insurance (and because I never had homeowners insurance I didn't know any better) never recieved anything for my homeowners policyI noticed money was still getting taken out of my accunt monthly so I assumed that everything had been taken care ofApparently this was not soI called them up this last week to let them know that I had gotten an alarm system so I could possibly get a discount (and if possible see if I could make an insurance claim, but I never got to that point because the conversation took an unexpected turn) when I found out my insurance policy had been cancelled MONTHS agoNo notice, no idea this happened and there is a lapse on my policyApparently the car insurance side had my proper mailing address and they were taking out money every month as I had set up, but the homeowner's policy had my mailing completely incorrect when I informed them that I never recieved a notice of cancellation or a refund check like they claimed they mailed to meThe same company was able to get the car insurance right, but totally missed the mark on the homeowners sideNot sure how this happened because this problem was supposed to be resolved last summer after a few phone calls I remember makingThey informed me they sent a refund check (which I never recieved and their records confirmed I was right because I never cashed any check)and cancellation noticesThey were sending stuff to a completely wrong address which I had called the year before to get rectifiedThey told me that because I had a lapse in my policy(as if it were my fault anyway) they would have to transfer me to a local agent so I could have an inspector come check out my houseI told them I felt like I was being punished because they didn't get my information correct in the first place but got transferred to another agent before anything else could be said

This is in response to the inquiry of November 15, as it pertains to the case file referenced above
UI", sans-serif;">This loss involves an accident where it is one person’s word against anotherOur Insured maintains he had stopped in the road awaiting a vehicle in front of him to exit a parking space when the other vehicle tried to pull around him and struck his vehicleMr*** maintains he was pulling around the stopped vehicle when it backed up into his vehicleThe police report only indicates that our Insured was backing, and Mr*** was pulling around the truckOur Insured advised us there was a witness to the loss, Mr*** ***, allegedly a bus driverWe made multiple attempts and upon finally reaching Mr*** he basically advised us he does not know anything of the loss and did not want to get involvedAlthough our Insured maintains he was not moving at the time of impact, lack of an independent witness to verify same, along with the police report indicating he was backing while Mr *** was pulling forward, we are making a compromise offer of 75% to Mr*** in an attempt to resolve this disputed liability claimShould you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, *** ***, at ###-###-#### or via email at ***Sincerely,David ***

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We received notice of the titled claim on May
15, The claim was for wind damage to a barn structure owed by *** *** and located at *** *** *** *** *** ***The claim was assigned to our associate and an inspection was scheduled and conducted on May 16, A denial of coverage was drafted at the time of inspection for wear, tear, and damage occurring over a period of time and the letter was provided to our insured
It was immediately noted that *** *** did not agree with our determination and basis of denial and the claim manager spoke with *** ***, his insurance agent, regional sales manager, and the contractor that *** *** had selectedOn September 2, a subsequent inspection was conducted but no additional accommodations were made at that time
By June of 2011, *** *** filed a *** Department of Insurance complaint that was investigatedOn June 16, a second adjuster met with the contractor selected by *** *** and when no agreement could be reached, Nationwide Agribusiness decided to retain the services of an engineer for inspection and determination of cause and originThere was an inspection by an engineer and based on the findings of the engineer, a denial of coverage letter was issued to our insured and formal response to the *** Department of Insurance was providedThere was a telephone conversation with *** *** discussing the findings of the report
We are aware that our insured’s daughter contacted our manager to discuss the claim in May and that a Writ of Summons was filed on May 11, Our policy provides for legal action against us within two years of the date of lossI can only imagine that no legal action was pursued because of a statute of limitations
Since receipt of this inquiry, I did attempt to reach *** *** but I have not heard back from himI am enclosing a copy of all letters regarding our coverage decisions, the DOI response, and a copy of the engineer’s report for reviewI will be more than glad to assist you and *** *** with any additional inquiry of discussion warrantedPlease do not hesitate to call
*** ** ***
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The mailing address was changed after I told them times to do sowhen I talked to my agent on that Monday after making the payment on Friday he still didn't have my address changedalso was saying I still had insuranceso if I was cancelled why didnt he tell me when taking my paymenthe admitted he was at falt for making me think I was insuredi am not satisfied I have been cheated and I feel the company is responsible for this
Regards,
*** ***

Re: Complaint #: *** - Nationwide
This is *** *** responding back to the response I received on the 3rd of June
*** *** *** you stated that on February 21st, at 3:pm I filed a claim
I spoke to the customer care line who took down my claim for hail damage on or about the above specified date February 21, I had not spoken to any adjustor at that time
After my claim was processed it was given to *** *** who was already assigned to a claim for my dining room ceiling, doorbell, ceiling fan and a structure beam after a contractors worker fail through the ceilingThe estimate for this claim was turned down after it was submitted and I was sent a check out for approximately $dollars which was not enough to cover the cost to have everything that needed to be fixed*** *** had *** *** draw up and estimated less than what it would cost to have it replaced / fix even with the estimate
On the February 24th , *** *** called me about the claim I informed him about the hail damage to all three roof and informed him that one side of the roof blow up where you could see outside while standing on the inside of the building
It was *** *** who brought up water getting inside the buildings I informed him that based on the opening it would depend on what direction the rain was blowing
*** also asked me if any items got wetI informed him that once I was able to pull the items out of the storages I would be able to see the damage to boxes and clothing that was in the larger building which the front side is by being the length that has two different roof’s which are two building joined together
I informed *** *** and showed *** *** the water marking on the boxes at the top of the stacks that had been removed from the by building being the smaller building I also told *** *** the roof beams that had gave out due to the damage roof
However when *** *** made his factious report to down play my claim again stating that there was no hail damage or water damages , but that the shape that the buildings where in was due to poor maintenance on my part
However *** *** never came to look at my roof‘s he was sent to check out my home and not the storage buildings roof’s
*** *** did not even have a ladder when he came out same thing happened when he came to look at my dining room ceiling as well as other items that were damaged on my first claim he was outside taking pictures of the front side of my home and then stated that he would be inside after he take a walk around the outside of my home
*** *** took a short look at my dining room ceiling and then went into my living room and started admiring the original crown molding in my home due to the inside being approximately 80% plaster which is harder to work with
*** *** sent this man over to sabotage my claims
I than called in and spoke to customer care and explained my position that I was placed in with getting items replaced and repairedThey checked to see if Veronica was in but she was out of the office so they had me speak with a *** *** who listened to my concerns about *** ***, however he only had *** *** contact me back with no resolution
I then request a new adjuster, but I was denied by *** ***
I than contacted the Revdex.com to get several of their credited contractors to come out and inspect my outer building roof’sThey found hail damage and wind damage where the seams had been blown off from the buildings or blown up from the building
As time went on I seen how *** *** changed my call in claim for hail damage to a water damage claim and stated that I never mentioned hail damage until after *** *** came out which he was being untruthful(See emails and then the recorded claim information)
Throughout my claim this is the behavior I’ve been receiving from *** *** even after the engineer report came back discrediting *** ***’s constituent’s report
*** made claims that he did not know what that man was doing (*** ***It was *** who talked to *** about coming out and what he was to be looking for, but it had nothing to due with my outer building roof’s
In paragraph *** *** *** I request for another adjuster when I talked to *** *** which he denied meI than emailed him that requestAfter *** shared this with *** *** I received a phone call stating that he was going to send out an engineer to inspect my whole home including the buildings
I also made it clear with *** *** that I wanted to be present when they send anyone to my home
In paragraph *** *** *** that your office contacted the original adjuster who did not even look at the roofs of my storages and who falsified a report that got my initial claim on my outer building denied the first time, what made you all think he was going to due the right thing the second time
*** *** does not work for the company anymore because I wrote the company up for their adjuster’s bad performance and character
*** *** you also stated that a *** *** *** was assigned to complete the estimate, when did he come out to my home and why was I not notified as I stated in my request to the companyI wanted to notified when nationwide send anyone out to my home so that I can be present
However I never saw a *** *** *** but I have an estimate report listing *** *** as the adjuster for the cost to my outer building roof’s which he only list two and there is a total of three. This document is dated for the completed estimate by him for 05/13/
So there are untruths being told hereI will fax over a copy of this report to Revdex.com
I am not satisfied with the information you provided due to all the misleading information and trying to scam me out of my claimWhich started? February 21, and nothing has been done to resolve any of my claimed damages up to the present
Also I see on the paper work listing the estimate and *** *** is charging me $ for salvageWhat is this all about? All builds are on a foundation
For the record the engineers report states that the seams where blow away from the roof’s and based on that any water would have been able to sink down into the building on to the beams to the boxes and items that were stored in those areas
I am not satisfied with your response to my complaint due to all of the untruths that where told than and are still being told nowYou all know what I called in my claim about, but *** wanted to change my claim to something only for denial purposes which was wrong and bad customer servicesYour company receives all their money on time every year, but when I as a customer call in to get assistance I have to go through all of this
For the record storm where *** was consider in state of emergency it took your department approximately a little over two years to replace the roof on my home , where water damaged the north end of my home where my children and I were living in moldWhen the mold and the damages from the roofs appeared your department settled my claim with additional repair that would not have happened had fund been released for repairs when I file my claimThis type of behavior toward your customers is not acceptable and your response does not give resolution because your report lessens one roof. There are a total of three
*** ***

Thank you for your recent inquiryAs Underwriting Specialist, I have reviewed *** ***’s policy file and would like to address the concernIf I do not provide the information you need for this matter, please do not hesitate to let me know*** *** has a personal lines
homeowners policy.The concern regarding the non-renewal
This homeowner policy was underwritten through Nationwide Property & Casualty Insurance Company in and has had the following claims reported:10-15-Water damage from face nails at the top of the dormer over an upstairs bedroom, a leak on the front porch that has a 2/pitch slope and no modification to the shingles to allow for the slow drain of waterThis claim was denied due to improper installation$paid4-4-Water stains on bedroom ceiling $paid1-8-Frozen pipes / damaged floor $7,paid4-5-Ceiling water damage with claim closed $paid
Claims frequency is regularly reviewed to evaluate the viability of an involved policyIt is Nationwide's goal to provide a high quality product at a competitive costLoss costs and claims frequency are significant factors in that equationAn important consideration in the evaluation of claims frequency is how it can predict future losses.The four (4) claims reported on this policy in three years represented an adverse trendThe similar nature of the three of the reported claims was a relevant factor in Nationwide's decision to nonrenew this policyBased on my review, this non-renewal was properly handledWe strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,*** *** ***Nationwide###-###-####***

My agent *** *** ***, did yell at me and was extremely unprofessional when I spoke with her on 4/25, perhaps you are confusing that call with the one, which was placed on that same day wherein I spoke with a very nice representative name ***I suggest you listen to my initial call on said date when I spoke with *** *** and contact me with your findings where I am sure an apology will be warrantedThank you; however, for the refund dated back to the inception date
Regards,
*** ***

Thank you for the opportunity to respond to Mr*** regarding the removal of his son *** from his auto policyReview of the policy does show that Nationwide received a signed authorization from Mr*** on September 27, to remove *** *** from the policyWe cannot
backdate any further than the date on the signed formNationwide will adjust the removal of *** *** from October 24, to September 27, 2016.If you have any further questions or concerns, please contact our Customer Relations Coordinator, Phillis H*** at ###-###-#### or email at ***@nationwide.com.Sincerely,Kristin M***Personal Lines Compliance SpecialistNationwide###-###-####***@nationwide.com

Nationwide Bank really has no clue as to what a real bank isI opened an account - made my first deposit - they froze my accountReason...they can't verify my addressThis is the same address that they mailed my checks and debit card to, the same address that is on all of my paperworkThey are requesting a utility bill to unfreeze the accountHere's the issue...I am disabled and live with familyAll the utilities are in my father's nameWhat do I do? Switch utility bills to my name? Not going to happenWhen I spoke to them they said that this stuff happens all the time because the is who run things are cluelessIf you live at home with your parents don't bother opening an account with themAnother bonus by Nationwide Bank? No 24/customer support - 15-minute hold times at all timesI asked them to close the account and guess what? They are mailing a check - where? To the same *** address that they can't verify! Genius!