Nationwide

More like (####) is on Your Side for this oneBad experience I hadBad Customer serviceWhat a jokeThis is how big companies go bankrupt

I apologize that you found my response did not satisfy your concernsMs*** contacted Nationwide Personal Lines Services on November 3, Ms.*** has agreed to pay the missing payment for OctoberThis can be accomplished byspreading out the October payment over the remaining months for November/DecemberIf Ms*** chose to pay the payment for October, the remaining bills wouldreflect the correct agreed upon monthly premium"Unfortunately in accordance with the filed rating plan in your state of North Carolina:there is no allowance for premium write-offs due to an error."
If you require further assistance, please contact our Customer Relations Coordinator,Dawn H***, at ###-###-#### or by email at ***
Sincerely,Daniel M***

0.5in;">This letter is in response to the complaint filed with your agency by *** *** regarding policy ***.
On February 9, a refund was issued to *** *** in the amount of $for unearned premium paid on cancelled policy ***This refund was issued under check number ***
On February 26, the refund check number *** was cashedA copy of the cashed refund check has been included
On May 9, a second attempt was made to cash refund check number ***The request was not honored as it had been cashed previously on February 26, A copy of the refund check from the second attempt has also been included
Per a conversation I had with *** *** on May 23, 2016, the insured advised that he was able to locate where he deposited the refund check in a *** ** *** checking account in February of As the member was able to locate where he cashed the refund check, no further action was taken
If you require further assistance, please contact our *** *** ***, Phillis H***, at ###-###-#### or by email at ***
Sincerely,
Stephen Y***

I reviewed the response made by the business and find the resolution is satisfactory to me I appreciate the straightforward acknowledgement by Favret that they dropped the ball during this problem The people I spoke with over several days were professional and apologetic It took a lot of my time and frustration to get this resolved It also took more frustration to get a price adjustment for the problems, but Favret finally agreed that an adjustment was warranted.Favrett has been my "go to" company for years and for more than one property I own I am still considering whether I shall continue this relationship in the future
At no time did I believe or suggest that this issue with my air conditioner was a problem resulting from former service provided by Favret The problem was also not a result of any other company doing faulty service on my unit Someone disconnected it by mistake, probably by working on a nearby unit So it was a very easy fix All it took was for someone to show up and do it

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I am in receipt of the online complaint received on April 25, 2014, regarding the increase in premium on *** ***’s automobile policy
Review of our records shows on October 10, 2013, *** *** contacted our Service Department to request for her address to be updated from *** * *** ** *** *** * *** *** ** *** to *** *** ** *** ** *** ** ***The mailing address was updated effective Ocober 10, Unfortunately, our representative only updated the mailing address, and the garaging address remained as *** * *** ** *** *** *** *** *** *** *** Due to the change being processed incorrectly, *** *** was misadvised that there would be no change in premium
On March 27, 2014, our underwriting department requested information as to why the mailing address did not match the garaging address
On April 11, 2014, we attempted to reach *** *** to verify why the mailing and garaging address were listed differently on her policy. We were unable to reach her by telephone to verify the information, therefore, we sent her an email as well as mailing her a letter, requesting her to contact us*** *** contacted our service department the same day regarding the email she receivedThe representative advised *** *** about the discrepancy with the address and *** *** clarified that her mailing and garaging address should both be listed at *** *** ** *** ** *** ** *** The representative informed *** *** that she would be updating the address effective April 11, 2014, but the member was not advised of the premium increase for the changeThe change resulted in a premium increase of $
On April 14, 2014, a Revised Policy Declaration was mailed to inform *** *** of the $premium increase
Due to *** ***’s account being set up on the Recurring Electronic Funds Transfer payment option, a Deduction Notification was mailed on April 17, 2014, to inform her of the scheduled deduction amount on May 11, 2014, for $The deduction notice only advises the member of the scheduled deduction amountThe declaration page issued on April 14, 2014, informed the member of the reason for the increase in premium
On April 22, 2014, *** *** contacted our service department to inquire why she received a bill for $The representative informed *** *** that her garaging address was updated to match the mailing address which caused a premium increase of $The representative informed *** *** that the change was prorated and made effective April 14, Unfortunately, this information was incorrectThe change was made effective April 11, The representative advised *** *** that the billed amount due for May, was higher because this was her last month to bill for the increase prior to the June 11, renewalThe representative advised *** *** that we had only updated her mailing address in OctoberThe representative apologized for the error, and for any inconvenience we may have caused*** *** was not pleased with the information and requested to speak with a supervisorThe representative attempted to reach the Personal Lines Escalations Department however they were unavailable. A message was left for the Escalations Team requesting for them to contact the member to address her concerns. *** *** was advised she would receive a call from the Escalations Team within the hour.
A member of the Escalations Team contacted *** *** to address her concerns regarding the increase in premium. The representative apologized for *** ***’s frustration and she explained that when the address change was processed in October 2013, the garaging address was not updatedShe explained that we had been rating the policy based on the old addressShe advised the garaging address was corrected effective April 11, The representative offered to spread the increase in premium of $over April and MayShe offered to collect $and then re-bill for May at $*** *** requested for the representative to stop any further automatic deductions from her accountThe representative advised *** *** that the error had actually worked out in her favor because if the garaging address been properly updated, she would have been paying higher premiums effective October 2013. *** *** expressed she would be looking around to find new insuranceNo adjustments were made to the May 11, bill of $since *** *** did not make the additional payment of $
Our underwriting department has approved to update the garaging to address to *** *** ** *** * *** ** ***, effective May 2, 2014, instead of April 11, This reduced the increase in premium of $to $The balance of the increase has been cleared due to the mishandling of her policy. The current billed amount due of $has been adjusted to $I have enclosed copies of the Revised Policy Declarations
I apologize that *** ***’s address request was not properly processed when she requested on October 10, 2013, and for any misinformation providedWe take customer service very seriously and continuously strive to improve our serviceFeedback has been provided for each representative who mishandled her policy
I have enclosed copies of the Policy Declarations issued for this policy which shows the changes that were made to update address on *** ***’s policy
If you require further assistance, please contact our Customer Relations Coordinator, *** *** at ###-###-####, or by email at ***
Sincerely,
*** ***
*** *** (Customer Resolution & Response Team)
Nationwide Affinity Insurance Company of America
###-###-####
Email: ***
Enclosures: *** *** *** *** *** *** *** *** *** *** *** *** ***

I was involved in a car accident the first week of May I was assigned an agent, she was very unprofessional, was not at all helpful This agent did not return calls, gave wrong information on where to pick up a rental car I spoke with her supervisor who stated that I was unable to get a new agent I was told by this agent that I had to find a tow company and a location to have my car fixed The Auto Repair Shop stated that he never once spoke with my agent, he left several messages and she never returned one call He stated that he had to go through several agents to get the okay to work on my car Once my car was repaired, the agent never answered or returned his call on where the check would be going I have left messages with this agent and her supervisor and still waiting on a call back Needless to say I have already switched Insurance Companies

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI just want to make sure that prior agreeing to this matter, Nationwide contacts me to make sure the remaining balance is accurate

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** This communication is in response to *** ***’s follinquiry regarding his Nationwide Automobile insurance policy. He has additional concerns regarding his premium when the good student discount was removed coinciding with the date that he was rated as age 25. As we previously stated *** *** was appropriately rated as age on the March 22, renewal and the good student discount available to eligible drivers age to was removed at the same time
The rate for a driver rated age is slightly lower than that for a year old driver who qualifies for the good student discount, and Mr. Robinson was anticipating a lower premium. However, there was an automobile rate adjustment filed with the Texas Department of Insurance, effective October 16, 2013, which also impacted the March 22, renewal. The combined impact of these changes was an overall increase to the premium. We regret when policyholders experience a rate increase, as we know how this impacts our customers. However, general rate increases must be implemented when our loss experience and forecast for future losses indicates the need to do so
We appreciate the opportunity to further respond to *** ***’s concerns. If you have any additional questions regarding this matter, please contact *** *** in our Underwriting Department at ###-###-####, Ext #####
Sincerely,
*** ** *** ***
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** ***I received a notice about my business complaint being closed and I'd like to reopen the claim because it was not resolved
I have contacted the business and they have requested some files from me and I have not received a response
Let me know if this claim can be reopened
Thank you,
***

I reviewed the response made by the business in reference to complaint ID ***, I have submitted documents required to contest VPI denial decision for my cat, *** This week, I reviewed the case with a VPI agent and one of their underwriters It was pointed out to me that while my cat, *** did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred My vet's office is deeply involved in this case and has spoken in my defense with VPI They will support my Review of Claim submission with appropriate documentation I hope for a fair resolution of ***'s claimYes, ? did choose remove my other cat *** from VPI insurance Like ***, she's also been covered by VPI since under a "Superior" plan At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week She required surgery and supportive careHer bill was approximately $5, but VPI paid less than 44% on the claims submitted I've paid more than double in plan payments than the amount reimbursed In my world, that's a terrible return on investment Having ***'s claim completely denied was the final straw, so I moved *** to another company's planIn closing, I hope that we can reach a resolution in ***'s case No client wants to battle a company in order to receive fair treatment It's stressful and frustrating It's also bad business for VPI/NationwideToday, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experienceIt's much better for all parties involved to resolve issues quickly and easily I appreciate VPI's willingness to review ***'s claim and the Revdex.com for mediating
Regards, *** *** ***

Dear *** ***
Thank you for your recent inquiry regarding a complaint which you received from *** *** As Claims Manager, I have reviewed our claim file and would like to address *** *** If
I do not provide the information you need for this matter, please do not hesitate to let me know.
The concern regarding our settlement offer for the total loss of *** ***’s vehicle,
*** ***’s vehicle, a Toyota Sienna, was identified as a total loss due to an accident on January 10, The following factors were considered in the total loss decisionThe known repair costs of $based on an estimate prepared by *** ** *** ***The vehicles actual cash value of $and the salvage value of $1622.63.
Our initial settlement offer was extended on January 28, We extended a revised offer on to *** *** on February 2, 2015, for $The current settlement is for the full actual cash value of the vehicle including payment for all applicable fees. Following is the settlement outline for that offer
Actual cash value: $4,
Applicable tax: $314.93
Fee: $Net Settlement: $32740.69
The actual cash value was based on a current local market survey, and took into consideration the vehicle’s mileage, options and overall condition at the time of the loss
We have reviewed facts of our current settlement and feel that the correct decision was made with respect to the total loss decision. We feel our current settlement offer for the actual cash value to be fair and reasonable
Thank you for bringing this matter to our attention. If you should need additional information related to this matter please contact meSincerely,
*** ***
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I have not heard from *** within the days Ms *** did leave me a message on Friday January 9, at 7:29pm, stating that she would get back to me I have not heard from herIt is the 10th day today
I thought I would get another opinion so I did visit another dealership (*** Subaru in Hazleton PA on December I also asked for a value on my car Mr *** *** was the salesman He had the mechanics check my car, while he got a Carfax report After the exam of car and Carfax report, he gave me a determination that my car was valued at $16,because of the accident That is a $10,loss to me because of the accident which was the fault of Mr *** *** insured by *** I sent the written determination to Ms *** at *** Meanwhile, I have had some problems with the vehicle I had to take it back to *** *** Auto Body shop as the AC was not working There was also a very strong burning smell coming from car and also the brakes were not right , they were low The repairman charged the AC, They also thought the burning smell was from a hole in a hose, which they repaired Lastly, they bled the brakes
Yesterday, I started having problems with the brakes again so today I need to take my car to *** *** Subaru Service and they will check them It seems that the car does not stop unless I press hard on the brakes I do not feel safe in this car The frame rails were severely bent and needed to be cut and new frame rails sautered on the frame Both dealerships advised me that because of the accident, if that engine was jostled in any way, there could be big problems down the road with my vehicle I am retired and living on a limited income so this presents a great hardship for me to purchase another vehicle
Because of the diminished value of my car due to the accident , I feel justified in asking for $from *** insurance

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*** *** *** *** This letter is in response to the complaint filed with your agency by *** *** regarding his automobile policy. Our records indicate the policy renewed effective October 13, 2013, with a semi-annual premium amount of $647.54. The policy billed on an installment account with payments automatically charged to a bank card on the 13th of each month
The payment dated February 13, 2014, for $was declined by the policyholder’s financial institution. Nationwide added a returned item fee of $to the policy and issued notification of the returned item on February 21, 2014. The notice indicated the amount of $must be received by March 9, 2014, to avoid cancellation
The policy cancelled effective March 10, 2014, due to non-payment of premium. Nationwide issued a final bill for premium up until the cancellation date on March 13, 2014. Attached please find copies of the February bill, the Notice of Cancellation, and the final bill
The policyholder called the Customer Service Center on April 17, and was advised that the policy could not be reinstated due to a lapse in coverage exceeding days. The policyholder was advised of the balance due on the policy and he indicated he would mail a check to Nationwide for the payment. Nationwide has no record of receipt of the payment and the balance due transferred to a third party for collection
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext####
Sincerely,
*** ***
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Nationwide Insurance Companies

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I am writing in regards to your request for assistance regarding *** *** *** stated he believed our insured was at-fault for his damages relating to a car accident that occurred on the above-mentioned date of loss*** *** asked that he be reimbursed $for his damages due to the fact that he felt our insured was completely responsible for the accident
We reached out to *** *** on April 28th and April 29th but did not get a return call from him in order to discuss the matter furtherWe have also made numerous attempts to discuss the issue of liability with *** ***’s insurance company, Alliance United, since the date of loss but they have not been responsive to phone calls or emails
When we investigated liability, both *** ***, and the driver of our vehicle, *** ***, stated they were driving on *** **in *** *** ** at the time of the lossOur driver states *** *** made a right turn from *** onto ***, entered her lane and struck her vehicle*** *** stated both vehicles were driving side-by-side and that our driver made an unsafe lane change into the side of his vehicleThere were no witnesses and a police report was not madeDetermining who actually changed lanes was not possible as a result and we sided with our insured, finding *** *** at-fault for making an unsafe lane change
Should you wish to speak to me regarding this claim, please contact me at ###-###-####
Sincerely,
*** ***
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Victoria Fire & Casualty DBA Titan

I received a phone call from Nationwide requesting my golf cart registrationI just sent it and got a response rejecting the claimWithout explaining what is wrongIt appears they have made a decision long before I sent the documentation
I request Revdex.com to post my complaint as a service to consumers in *** ***
Many of them have their golf cart under their home owners policyThey do use the golf cart other than going to golf coursesIf you recall Nationwide is rejecting my claim because we used golf cart other than going to golf course
I am just trying to make public aware of this clause in Nationwide policy
Thanks Revdex.com for helping me
Regards,
*** ***

I have reviewed the follinquiry received from *** *** regarding his homeowners policy
insured with Depositors lnsurance CompanyHe is disputing the actions taken within the discoveryperiod of the policy and the additional premium dueBelow is a tirneline explaining the activity on Mr*** policyDecember 30, New business effective date of the policy with our company and coverage bound by the agentJanuary 6, Billing statement generated to the insured
January 11, Protection class of the policy was updated effective December 30, in order to properly rate the policy for the distance to the fire hydrantThis was done within the "discovery/underwriting period" of the policyJanuary 20, Exterior inspection was done by the Company vendorThis was the only inspection by the CompanyInspections are not ordered/requested by the Company prior to a submitted/bound policy by the agencyJanuary 30, Due date of premium billed on January 6, $January 31, Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the homeThis was done effective December 30, and processed within the "discovery/underwriting period" of the policyFebruary 4, Payment of $(due on January 30, 2016) was received and policy set up on automatic withdrawals for future paymentsFebruary 5, Next bill generated for $(reflected premium change due to the protection class and dwelling amount change). March 1, Due date of premium $The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this dateAs noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr***'s policy were within this discovery/underwriting periodPer theemail provided by the insured in his inquiry, the agency advised Mr*** that any premiumbalance due or refund would be updated based on the March 1, cancellation datePremiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the CompanyIf you require further assistance, please contact our Customer Relations Coordinator, JoleenS*** at ###-###-#### or by email at ***
Sincerely,
Gale G*** *** *** ***

This letter is in response to your recent inquiry on behalf of the above named complainant, *** ***, which was received by our company February 22,
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Ms. ***’s concern was to have her phone number added to our Do Not Call List. We have processed her request effective February 22, A copy of a letter we have emailed to Ms*** is attached for your review Our phone lists are prepared in advance; we advised her to please allow approximately days for her information to be completely removed from our listsThe federal DNC list is managed by the Federal Trade Commission (FTC). Consumers may register their telephone numbers on the federal DNC list via a toll-free number, ###-###-####, or online at: http://www.donotcall.gov.
Thank you for this opportunity to review Ms***’s concerns. If we may offer any further assistance in this matter, please do not hesitate to contact me at ***@nationwide.com or via phone at ###-###-####Sincerely,

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As of the date of this memo, no additional information has been received from *** *** regarding her prior coverageIf she would like to provide this additional she can still forward directly to our Underwriting Department by fax (###-###-####) or by email ***
Valid Proof of Prior Insurance coverage is classified as:
Showing the named insured or spouse as a listed and rated driver and/or the named insured on the prior policy
Prior effective dates must be show the continuous months, prior to the current policy inception date
Prior limits of liability must be provided. ID cards are acceptable, and it is assumed the prior limits are equal to the state minimum limits of liability.
I trust that I have addressed the issues within *** *** inquiry. If I can be of any further assistance, please contact me at ###-###-####.
Sincerely, *** ***
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Arial, sans-serif;">This letter is in response to the complainants concern about the denial of her claim resulting from an automobile accident on 5/5/
Please find enclosed a transcribed copy of the recorded interviews taken from both the complainant and our policyholder as well as a letter from the State Highway Administration confirming that the lights at the intersection were not functioning properly at the time of this loss and would have been in flashing modeOur investigation determined that our insured, *** ***, was traveling on *** ***She confirms the traffic signal was not working properly and all lights were flashing, which would have made the intersection an area of caution*** *** states she stopped at the flashing red light allowing other vehicles to enter the intersectionWhen it was her turn to proceed, she did so and was struck by *** ***'s vehicle*** *** reports in her recorded interview that her light was green at the time she approached the intersection and therefore she proceeded without slowing and hit *** ***' vehicle on the left front bumper with her right bumper*** ***'s claim that she had a green light is not consistent with the letter *** *** provided from the state showing that the light was malfunctioning and was in the flashing mode which would have required her to slow before entering the intersection and proceed with cautionThe *** *** County Police came to the scene and exchanged information but did not make a reportIt was our determination that *** *** was negligent for failing to slow and proceed with caution before entering the intersection with a flashing yellow lightBased on the state of ***s law of contributory negligence, which bars recovery from anyone who contributes in any way to a loss, we denied *** ***'s claimWe hope this answers any questions you may have regarding our handling of this matterIf you should have additional questions, please feel free to contact me at the telephone number or email belowSincerely,
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*** *** Nationwide Insurance ###-###-#### ***

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I am in
receipt of the member's question dated October 14,
I am providing you with the following information:
? Policy Declarations
Policy ######### was bound effective August 1, to August 1, 2013, with a term premium of $The policy premium was paid in full at the time it was bound
On August 31, 2012, the Home Purchase Discount was removed effective August 1, The Home Purchase Discount is available to New Business customers who have purchased their home within months of their policy effective dateDuring the discovery period, it was determined that there was prior insurance on the property, which qualified the policy for the Years with Prior Carrier Discount; therefore, the policy did not qualify for the Home Purchase
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DiscountThe change increased the term premium by $and a Revised Declarations was mailed to the address on file
A total down payment of $was received on July 27, Of this payment, $was applied to the automobile policy, $was applied to the property policy, and $was applied to the installment feeA credit of $remained on the billing accountOur system does not bill out for anything less than $10.00; therefore, the first opportunity the system had to bill for the premium increase to the property policy was with the February 1, 2013, installmentThe $credit was applied to the $balance and an underpayment of $was added to the February 1, billThe payment of $that was received on January 29, 2013, paid the underpayment of $and the February, March, April, May, and June installments of $for a total of $The July installment of $was paid with the payments that were received on July 26,
Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you have any further questions, please do not hesitate to contact me, at ###-###-####, ext########
Sincerely,
*** ***
Nationwide Insurance Company
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###-###-####, ext######
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