Nationwide

I am seventy-five, living on a fixed income and over the last couple years have experienced considerable difficulty keeping up with my billsConsequently, I have had no choice but to wait till the very last moment to pay some bills, my Nationwide auto insurance includedSince my payment history, from Nationwide's perspective has been problematic I believe a judgment was made to cancel my auto insurance policyI am not saying that Nationwide singled me out individually, I am not paranoidBut I believe Nationwide has made a decision to systematically eliminate "troublesome" customersPeople like myself who, out of a lack of funds (in my case) have had to wait til the very last opportunity to keep their policy active, people like myself are just not worth the troubleHowever, given that States (and the Federal government) typically have Insurance Departments and Consumer Protection Agencies an Insurance company cannot just willy-nilly cancel a policy without "just cause"Certainly, failure to pay a policy premium would be "just cause"But, how does a company demonstrate that a customer has not paid their bill when that customer has in fact paid the bill and received confirmation numbers for those payments?
That is where the "secret sauce" comes into playIt is my contention that, in the case of "troublesome" customers like me when we pay our bills through the Nationwide web portal (which is one way to keep a policy active even when it is only a day from cancellation), the system has been programmed to truncate the bank account number save for the last four digitsI know this sounds incredibly paranoid, but what else can I conclude when I know without a shadow of doubt that I did not on any occasion enter just four digits in the cell designated on Nationwide's online form for bank account numbersTo believe Nationwide, I would have to believe I made that same error three months in a rowAdditionally, how can I not conclude Nationwide is systematically culling from their customer base "troublesome" customers like me when Nationwide did not on any of the three occasions alert me via email that there was an issue with my payment? Every time I made a last minute payment via the Nationwide web portal I received a confirmation number that "payment was received"On all three cases Nationwide chose to use "snail" mail not email to alert me that a "recent payment...was returned by your bank due to a bank account number that was not found"It is my understanding the online payments are processed electronically and, if I had in fact only entered four digits for my bank account number (or made any other error) Nationwide would have know that very quicklyIt is likely that within minutes and certainly within a few hours Nationwide would have known there was a problemThe fact that Nationwide failed to alert me in a timely manner of the problem leads me to no other conclusion but Nationwide is systematically purging "troublesome" individuals from their customer baseWe are just not worth the botherI turn to your organization to alert you of this issueObviously if what I contend is true then Nationwide is certainly doing this to others, although they have surely taken every precaution they could think of to cover their tracksOne Nationwide representative told me that * * *** confirmed that, for my December payment I only entered digits not my full bank account numberI wonder is this the same * * *** the U S Justice Department fined recently for $billion dollars? Is it the same * * *** that the Justice Dept found guilty of unfairly "robo" signing mortgage foreclosure documents that adversely affected over 25,consumers? If Nationwide is in bed with * * *** all the more reason to investigate them for unfair practices

I have reviewed the inquiry received from *** *** regarding his homeowners policy insured with Depositors Insurance CompanyHe inquired about the changes made to his policy and subsequent premium due when cancellation was requestedThe home policy for Mr*** was new
business with our company effectiveDecember 30, It was cancelled per his request on March 1, During this time, changes were made to his policy that result in additional premium dueOn all new business, companies are afforded a specified number of days in which to make changes and review eligibility of a riskThis is often referred to as the “discovery period”The changes made to Mr***’s policy were:
? January 11, effective the original policy date of December 30, 2015: The protection class was updated to reflect the distance to a fire hydrant as being over 1,feetThis resulted in additional policy premium of $? January 31, effective the original policy date of December 30, 2015: The dwelling coverage amount was increased based on the replacement value from the inspection of January 26, This resulted in additional policy premium of $Payments were received via one time electronic funds transfers on December 28, for $and February 4, for $The policy was set up on recurring EFT on February 4, per the agent’s requestMr*** requested cancellation of the policy to be effective March 1, A premium breakdown based on this cancellation date, changes made within the discovery period of the policy, and payments received on the policy is attached for referenceIf the insured obtained replacement coverage prior to the March 1, cancellation date, we can backdate the cancellation of this policy to that date with a copy of the replacement coverageIf further assistance is needed in this matter, please contact me directly at ###-###-####Sincerely,
Gale G*** *** *** ***

We have reviewed the inquiry from *** *** regarding his homeowners policyMr*** has inquired about the rate increase on his homeowners policyHomeowner’s policy premiums are calculated using several approved factors including, but not limited to: loss history of the
insured, existence of multiple policies, deductible levels, dwelling amount, insurance score, construction type, fire protection class rating, age of home, additional endorsements/coverages requested, territory in which the home is located, etcThe territory base rate does take into account the loss history of the territory as a wholeThis base rate is then adjusted by the aforementioned rating factors: age of home, protection class, type of construction, losses of the insured, etcThe premium calculation methods/rating structure and our base rates are filed with and approved by the South Carolina Department of Insurance.Home renewal premium
2015-premium $5,2016-premium $6,(increase of $1,from prior renewal)
Mr***’s premium was affected by the following factor changes per our most recent filed rate (SERFF Filing NWPC-***, effective 12/12/for renewals):- Filed base rate change caused an increase in premium- Protection Class factor change caused an increase in premium- Deductible factor change caused an increase in premium- Increase in the Extended Replacement Cost caused an increase in premium
We understand that insurance cost concerns are important to all consumers and encourage insureds to reach out to their agents to discuss options to manage their insurance premiumsWe appreciate the opportunity to provide information on Mr***’s home policyIf you require further assistance, please contact our *** *** ***, Debra C*** at ###-###-#### or by email at ***
Sincerely,
Michael G***

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Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for *** *** and to address his concerns about the claim
Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of *** Department of Insurance and has appropriately addressed all concerns on *** *** diminution claims for damages to his Volkswagen
Sincerely yours,
*** ***
*** *** *** * *** *** ***
Phone: ###-###-####

I am in receipt of your letter to *** *** dated February 22, Review of policy *** found the member called several times in order to cancel the policy effective July 30, Several attempts were made to obtain a cancellation request formSince a completed
cancellation form was not received the policy remained active until it cancelled for non-payment effective October 12, 2015.On January 26, 2016, the member called regarding the policy cancellation date and was advised that the proof of insurance on file was for a Dodge Dakota and not the Jeep Grand Cherokee listed on the policyThe member was advised to submit a Bill of Sale or a registration showing the new owners of the Jeep in order to back date the cancellation of the policyUnfortunately, the requested information was not received so the cancellation date was not adjustedAs a courtesy, since it was clear that the member wanted to cancel the policy and had obtained other insurance effective July 30, 2015, the cancellation date of policy *** *** has been adjusted to July 30, The collection balance of $has been cleared and a refund of $has been mailed to the member at *** *** **, Walnut, MS If you have any additional questions, please contact Sharon W*** at w***[email protected] or via phone at ###-###-####.Office of Customer Advocacy | One Nationwide Plaza, 3-04-| Columbus, OH 43215-

As I've indicated in the past the company liedI am looking for a new insurance company, and nothing has been resolved with nationwide
Thanks anyways,
*** ***

*** *** *** ***
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This letter is in response to the concerns filed by
*** *** regarding the collection amount due on this policy
In review of the policy, on July 9, the automatic payment was declined for the July installment billingOn July 19, a Notice of Cancellation was sent indicating the payment was declined and that $must be paid by July 30, or the policy would cancel July 31, (attached)The last payment received on this account was on June 10, Payment was not received which caused the policy to cancelOn August 5, a balance due notification was sent indicating that the policy had cancelled and $was due for coverages provided through the cancellation date (attached)It indicated if not paid by the listed August 24, due date the account would be referred to an agency for collectionsAs payment was not received, the amount was reported to NCO collections
Nationwide recently stopped utilizing NCO for collections and transferred all open accounts to CCS collectionsCCS collections has been sending letters to cancelled member’s indicating there is still an open delinquent account and that CCS is now handling the collection balanceThis is a valid amount due and can not be waived or removed from collection activity*** *** can contact CCS directly at ###-###-#### to make a payment and review any credit reporting as Nationwide does not report directly to the credit bureauWe sincerely apologize if the letter from CCS caused any confusion with the outstanding balance due
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, Ext#####
Sincerely,
*** ***
*** ***
Customer Resolution and Response Department
Nationwide Insurance Companies

"Arial",sans-serif">Thank you for the opportunity to respond to the Revdex.com inquiry regarding Chuck *** and to address his concerns
We are unable to locate a policy or claim associated with Mr*** July 17th loss. Our claims organization were unable to locate a claim or phone call associated with Mr*** on the dates that were provided. The claim number is not associated with any Nationwide claim numberIn order to research this matter further, Mr*** would need to provide additional documentation
If you require further assistance in this matter, please contact our *** *** *** Charity W*** ###### or by email at ***
Sincerely,
Charity W***

Please allow this letter to serve as a response to the above captioned Revdex.com
complaint filed by Mr*** ***Contrary to Mr*** ***'s response, his Nissan Pathfinder, with 46,miles, was not"brand new" at the time of inspectionAs stated in my earlier response, a New York Statelicensed appraiser conducted the inspectionA subsequent inspection will also take place by Mr.*** ***'s repair facility prior to repairWe will address any issues or additional damagediscovered by the repair facilityIn addition, Mr*** *** also put in a diminished valueclaim that will be evaluated once the repair to his vehicle is completedIf you require further assistance, please contact our *** *** *** Joey L***at ###-###-#### or by email at ***
Sincerely,
Alan S***

While I disagree with the outcome and the manner in which we got to today, at this point it is regrettable but I think we just have to agree to disagree
*** *** did call today and admitted that the Nationwide Claims process is confusing and misleading At no time should a consumer have to deal with to different representatives of the company to get an issue resolvedFurthermore once an agent of the company makes a promise to a customer then they should stand behind their word It is imperative that consumers rights be protected and that all parties be treated with equity
In this case I do not feel that my best interests were protected or necessarily addressed Knowing what I know today, I would have hired outside council to represent my interests It may not have been the intent of Nationwide to take advantage of me in this case but the processes used allowed this to happen I think they would have to conceded things could have and should have been done differentlyStatements were made by representatives of Nationwide "Robert Owen" and others that unfortunately don't appear to have been properly documented in the case file at Nationwide As a result we have wasted countless hours and resources At this point I don't see any other resolution
On the other hand if *** ***'s statements today regarding their processes holds true and the claims process at Nationwide is looked at closer and revamped this would be an improvement I do hope that the company is sincere in this statement and this actually will occur If procedures are implemented that protect the rights of others, then I may not have won in my particular case but ultimately consumers will win in the end
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID#######, and find that this resolution is satisfactory to me
Regards,
*** ***

there are several points Nationwide
tries to make that are and extraordinarily misleading
Let me outline some
confusing things that Nationwide sets forth in their purposefully confusing
explanation This is clearly an effort to make this issue go away
Since I won't permit them to defraud other consumers, let me take a
moment to highlight some obvious problems with their explanationWebster's dictionary defines the word 'processed' as "to subject to or handle through an established, usually routine set
of procedures (process insurance
claims) that lead to a result[i]"
By this widely accepted definition from a trusted
source, the "processing of a claim" means that the claim
follows a series of steps or procedures that lead to a result of either
being paid or denied
Nationwide claims that they received and processed the
claim in days How is that possible since the claim was not denied
until July 21? The claim that they processed the claim in three days
is completely FALSE They take a small bit of information and manipulate
it to look how they want it to lookIf the claim was in fact,
"processed" in three days, how is it that the claim was still
active and being worked on right through May, June, and July? And
even after CLAIMING that they processed this claim in three days, they go
on to say that they hadn't actually issued a decision on the claim until
July and outline the dates that things happened They claim they
did the right thing in one breath, and tell you that they did not do the
right thing in the next breath This is an ongoing theme with
Nationwide I have only been a customer since April and I already
know this.
What is this May date they speak of? I was
never told anything about an additional waiting period for DENTAL
No one ever mentioned that DENTAL and MEDICAL were separated and
never referred to the two separately There is no separation in the
policy for dental and the premiums I paid were for MEDICAL This was
inclusive of DENTAL and there was no additional waiting period So
how is the date of May even significant? The rep I spoke to on
the phone on July did not know what the date of May meant or why it
was mentioned She had to put me on hold and ask a supervisor
She had no explanation for the May date or what it meant
Where did it come from? What does it mean?
They claim that "Because a dental cleaning
had been done, future claims may be eligible after May 24, 2016."
I again ask, why May 24? What does that mean? And anyone
can tell you that they will DENY any claim relating to her teeth now that
they termed her periodontitis as preexisting What they really mean
to say here is, "Future claims can be sumitted after May 24, but will
be DENIED and NEVER PAID, because we said she has preexisting diseaseThe claim that Nationwide never delayed a claim is
FALSE Clearly, as I outlined in my initial complaint, the claim was
left to sit until I made contact and started asking questions as to why it
was still pending The only actions that took place came after I either
called in or made email contact asking about the status of the claim
How many coincidences should be believed? Every time I asked
about the claim, the very next day, some action was taken on it And
then it was left to sit longerThe fact is that the claim was submitted on May 10,
and was not finalized as denied for payment until July
There is no defense for the timeline The claim was not
processed in days, it was PENDED for decision in days and Nationwide
proceeded to delay making a decision made to pay or not pay for a total of
days with a series of delaying tactics that are total nonsense
When I called in on June to as(k why no decision had been made
after the medical records had been in the hands of Nationwide for three
weeks, I was told that the department was "backed up and has not been
able to review the records as quickly as usual." Really?
There were four doctor visits in my pet's voluminous records
It takes five minutes to look the few pages over and figure out
whats going onOf course, when you are trying to delay payments and are
looking for reasons to deny claims, I understand completely why it would
take longer Amazingly, as usual, the day after my phone call, a
letter stating an additional days would be needed to review the claim
So I am surprised that Nationwide would LIE and say that they
processed the claim in days, after they issued a letter, days into
the claim process (May to June 15=days), saying that ANOTHER days
would be needed So much for the day claim of Nationwide'sFurther, the Vet did not diagnose her with
gastroenteritis (a viral stomach disorder that causes vomiting) or an
upper respiratory DISEASE Nationwide DIAGNOSED my animal with these
illnesses for purposes of intentional exclusion if I were ever to bring my
animal in for treatment of these, or ANY OTHER illnesses My cat did
NOT have GREEN DISCHARGE requiring medical treatment, did not have
VOMITING requiring medical treatment Nationwide is taking ANY WORDS
in the medical record and making them exclusions- whether or not they
actually exist or were a problem But then according to them, they
can confabulate, invent, or claim ANY ILLNESS was preexisting within the
UNETHICAL and IMMORAL wording of their policy They state that
"a preexisting condition means ANY condition that began, was
contracted, manifested, or incurred within TWELVE MONTHS of the effective
date of this policy or during any waiting period, WHETHER OR NOT THE
CONDITION WAS DISCOVERED, DIAGNOSED, OR TREATED..." Under this
definition, ANY ILLNESS will be excluded by Nationwide as preexistingThe
only things Nationwide will pay are injuries that occur to a part of the
body that has never had anything wrong with it, because otherwise they
will claim it was part of a preexisting weakness or injury that occurred
and is PREEXISTING This type of policy is FRAUDULENT and MISLEADING
to the consumer Anything to not pay a claim Anything,
whether immoral, already outlawed in treatment to humans, or misleading to
the customer Along these same lines, Nationwide would say that
words in the medical record such as "the feline was breathing
heavy" would mean that she has a respiratory disease Or
"feline was fearful of staff" would mean that the cat has some
kind of preexisting psychiatric problem or organic brain disorder or
disease Or "feline sneezed" (once) would mean that the cat now has a preexisting allergy or preexisting respiratory disease- from a single sneeze .Nationwide looks to take words in medical records out of
context and turn the into any kind of possible diagnosis that they can
count as a preexisting condition that they can excludeIn the 1980's and 1990's, in the infancy of human HMO's, insurance companies tried the same thing that Nationwide is doing with its pet insurance Finding any sneeze and calling it preexisting respiratory disease A day where a child vomited twice and calling it preexisting gastroenteritis A doctor who asks "how is the baby doing overall," and when the mother says, "sometimes she has a stuffy nose," the insurance company says there is preexisting respiratory disease This is exactly what Nationwide has done with pet insurance Take note that the HMO's attempts to make anything outside of breathing preexisting was met with legislation that outlawed the practice Obviously, we need tighter laws surrounding the pet insurance industry, because Nationwide is doing the same thing Shame on you Nationwide I will make sure that I pass along my experience with Nationwide to all pet owners I knowTake some free marketing advice, Nationwide should change their catch phrase to:
Any preexisting condition Any word, anywhere, about anythingWe can and will find itAnything to not pay a claimThat's our Nationwide promise.
Truth in advertising, right?
Nationwide
continues to lie and deny
Regards,
*** ***

I purchased the auto insurance from Nationwide this summer in June with my new car and paid the 6months period and without add my wife into this policy, I clearly told the agent that I will exclude my wife at this time because she did not have the driver license at that time Then days later, they told me, they forgot to ask me sign the paper to exclude my wife, and I told the agent my wife just got the learning permit, I probably would add her into my policy week later, they left me a voice message with some accent, I am not native English speaker so I could not recognize the extension phone number in the voice message to call back, so I waited them to call me againBut what they had done was they just canceled my policy without noticeThey had my email address, my cell phone numberWhen I realized, I had been not covered by any auto insurance for daysThen I tried to call her company and ask the operator to transfer to her, she just told me because you did not sigh that document, so we canceled you policeThis is really a bad service I have ever met, and the agent put me in a very dangerous situation, I had drove days without any insurance coverage, and there were always a gap is my insurance history I cannot make up

Had bought pet insurance through this company which took over VPII had water till my dogs insurance had started before taking him to the vetOnce taken to see the vet I had informed the off what the issue was and that I would be filling an insurance claim for this since VPI states that it's covered because he was never seen for this issueAfter the claim was filled back in October I had received a letter in the mail stating that, the claim was denied because more information is neededSubmitted documentation stating that the dog is adopted and was never seen for thisOn November 25, I had received a letter in the mail stating that we need another days to proceeds this claimThen when I had checked their website on 12-2-they started that the issue was resolvedTurns out they are refusing to pay for his visit, which is covered under insurance, because they claim it was a preexisting conditionWhen I asked how the figuredI was informed that his insurance did not start when they started it would and when he was taken to the vet it was considered a preexisting conditionWhich is bull because before I took him in I called and made sure he had the insuranceThis company will steal your money and not pay for anything like they claim is coveredThe plan I had was pet wellness plus and major medical coverage

I am in receipt of your correspondence dated March 11, 2015, addressed to the Office of Customer Advocacy, regarding *** ***I will be happy to respond to the concerns of our memberIn her statement of the problem, *** *** would like the premium owed waived due to the information
received when requesting to cancel the auto policy.On February 6, 2015, a billing statement was sent showing the renewal payment and the prior term balanceThis statement included the premium owed for adding a vehicle to the policy in January after the January bill was sentOn February 17, 2015, *** *** contacted our service department and asked to cancel the auto policy effective February 19, At that point there was a prior term amount owed of $70.60, $late fee, $service fee and $for the two days beyond the due dateThis was billed along with a second late fee making the new billed amount $*** *** did ask how much would be owed after the cancellation and was informed that nothing would be dueThis response was in errorWe are clearing the balance owed due to this error and have provided feedback to our management teamI apologize for any inconvenience this may have causedThank 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 Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,*** * *** *** *** *** *** *** ***Nationwide Insurance###-###-####***

*** ** ***
*** ***
*** *** ***
***
Thank you for the opportunity to respond to the RevDex.com regarding policy number ##### for *** *** and to address his concerns about the policy.
On 1/13/2014, *** *** purchased a six month insurance policy from Premier Group Insurance with a six month paid in full bill planThe policy took effect on that day when a payment of $we received.
Upon purchase of *** ***’s policy, she was provided the merit rating for having continuous coverage prior to coming to Titan InsuranceShe was also inform in order to maintain this lower rating that valid proof of six months continuous coverage would be neededThat valid proof was not received and the lower merit rating was removed from the policy causing an increase of $190.
*** ***, contacted our serviced department and decided she would like to cancel the policy due to the increase in premium effective 2/13/The policy was cancelled as requested by the guidelines set forth within the policy guidelines and policy provisionsAfter the cancellation of the policy, *** *** was refunded the portion of unearned premium due based off the short-rate cancellation methodThe total refund of $was issued on 2/19/and the check cleared the Titan account as cashed on 2/26/2014.
I trust that I have addressed the issues within *** *** complaint. If I can be of any further assistance, please contact me at ###-###-####.
Sincerely,*** *** *** *** *** *** ***

This letter is in response to your request for additional information for the complaint filed with your agencyby *** *** *** regarding his automobile policyNationwide is in receipt of the documentationprovided showing the signed cancellation request and alternate insurance obtained effective July 6, Thank you for the documentationThe cancellation date for the automobile policy has been corrected toJuly 6, 2015, and credit of $is applied to the policy accordinglyThe balance due on the policy is adjusted from $to $The third party collection agency wasnotified and the account with their agency is closed with no negative reporting to the credit bureauThebalance due reflects premium owed up until the cancellation date and can be remitted directly toNationwideAttached please find the premium and payment history for this policy with the adjustmentsincludedIf you require further assistance, please contact *** *** ***, Jane G*** at ###-###-####, or by email at ***m between the hours of 8:AM and 4:PMSincerely,
Colleen F* *** ***

class="MsoNormal">Dear *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number *** for Ms*** *** and to address her concerns about the policy
On 02/24/2015, Ms*** purchased a six month insurance policy with a bill plan of 20% down and installments with an electronic funds transfer (EFT) automatic withdrawal.
On 02/26/2015, an underwriting memo was issued to Ms*** requesting her Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage selection form be signed and returnedThe memo stated that if the forms were not received coverage would be added to the policy
On 04/06/2015, no UM/UIM forms were received, stacked UM/UIM coverage was added and Ms***’s premium increased $Ms***’s installment payments increased from $to $to reflect the change in coverage
On 05/20/2015, Ms*** contacted the service center to inquire as to the reason her premium increased and was informed that we never received her signed UM/UIM formsThe service center associate erroneously stated that the forms were recently received but had not been processed yetMs*** had requested to stop her EFT withdrawals as she was considered cancelling her policyThe service center associate should have informed Ms*** that the forms were received but were not valid as she had signed in conflicting sections, opting to elect and reject the coverage The UM/UIM forms would need to be correctly signed in order to remove the stacked UM/UIM coverage
On 06/02/2015, Ms***’s policy cancelled for non-payment as her 05/27/installment bill was not paid and her EFT withdrawals had been stopped at her request
On 06/05/2015, Ms*** contacted the service center to discuss the billing on her policyShe was advised that her policy had cancelled on 06/02/due to non-payment and that she could reinstate the policy no lapse in coverage with a verbal statement of no loss and a payment in the amount of $The reinstatement amount included the premium for the 05/27/installment as well as a $reinstatement feeMs*** declined to make the payment
We are happy to assist Ms*** reinstate her policy without the lapse in coverage but would need to collect the payment of $Once the policy is reinstated, Ms*** can submit new UM/UIM forms that are properly completed and her future installments would decrease to reflect the removal of coverage
I trust that I have addressed the issues within Ms***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

*** *** *** ***
*** *** *** *** *** *** **
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*** *** *** *** * *** *** *** *** *** ** *** *** ** *** ** *** ***
Once again, I have read the response from the Nationwide, and as before, its one-sided, shows that they do not read our letters, and reasons This matter will not be resolved as long as we have not received our rightful refund of $253.00, and an apology from the Nationwide insurance company for their baseless accusations and slanders We believe that their new invoices and (letters if any; were fabricated after we have cancelled our account), this act is considered fraud After months of asking them for some proof that they have increased our premium before our cancellation they have come up with a new invoice dated February 6, exactly six days before we cancelled, and we have never seen this new invoice before and alleged letters in the last five months? How is this possible? Companies can create invoices and send them to the collection agencies, however they will make mistakes somewhere and we will prove that they have been misrepresenting facts all along There were never an insurance claim and request for payment One or two days after we bought our insurance (house and Auto policies), another intoxicated driver rear ended three cars, we were the last one , this happened in ***, half a mile from our new house, another proof that we were driving in ** Because we were the last car the damage was not much, but this incident triggered their detective work we were hurt a bit in this accident, and my son was shocked but fortunately not hurt, but our minor **ins were not bad enough to go to hospital, so we refused to in the ambulance *** later paid for our car damages as the other driver was responsible, and my wife and I were considering to have ourselves tested later due to a new numbness we were feeling, and we reported this incident to Nationwide (no claim or asking for anything from Nationwide were field) however nationwide was clearly worry that we might cost them As time **ssed we slowly felt better and after missing our Drappointments twice because we were just too busy to make it due to the work associated to our new house, we decided we would not go to doctor after all, and if needed we could use our own health insurance later THis case was closed in our mind, no claim and no cost to nationwide But unfortunately, nationwide supposedly investigators were hard at work to create a case and and solve it They were leaving red cards in our houses both in **, and ** and representatives were calling us from Nationwide, asking about our injuries, and wasting our times for absolutely nothing? Then came January, and we got really upset and tired of these harassments, and decided to buy our home and auto insurances from other companies, and a few days later in February we cancelled both home and auto insurances with Nationwide there were absolutely no bills, no letters, no warning that our premium were going to be raised, until a few weeks after we cancelled, in fact the letter from our agent in March clearly was telling us that there were no problem and we could keep our insurances Its very interesting that they create invoices and become forgetful also, days after policy inception would be January 7, 2014, not a month later February Of course I would not be surprised that soon we will see an invoice dated at days after policy inception, so it would work with their policies We did not break any laws, we did not misrepresent anything whatsoever, we did not need to, there were no motivation to change our less expensive *** policy to nationwide, except our agent clever misrepresentation and lack of knowledge that caused us to switch to nationwide At the same time, Nationwide has been creating invoices/documents to prove their version of the story and this is clearly breaking the Law anywhere Our ** house is only one hour and minutes away driving at speed limit from our new primary house in **, there are locations in ** that would take more that three hours to get to from our house in ** Why should they charge us extra because perhaps once a week we travelled to ** for a few days and then returned to finish our house repair in **, and we had two cars; how could this qualify for an increase in premium two folded? I am confident that what Nationwide has been doing was wrong and they have been wasting their time and ours I would have never imagined this, that a company treat its customers in this fashion, but we are very glad that we found out early and ended our relationship quickly
Sincerely,
***

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to meIt's not perfect as I think the $balance should have been honored but I'll accept to get this ordeal over with
Regards,
*** ***