Nationwide

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** *** ***
*** *** ***
*** *** *** ***
This letter is in response to the additional information received for the complaint filed with your agency by *** *** regarding her automobile policy. *** ***’s policy was a semi-annual policy that began effective February 28, 2014, and cancelled at the request of the policyholder effective May 28, 2014. The policy declarations pages provided by the policyholder indicate she obtained alternate insurance effective May 28, 2014.
Nationwide charged $in premium for the time the policy was active, plus one $late fee, for a total amount due of $944.20. Nationwide received three monthly installment payments totaling $781.30, which left a balance due of $162.90. The collection balance of $is owed for the coverage providedThere is no additional premium adjustment available for *** ***.
If you should have any other requests or questions regarding this matter, please contact Colleen Flack at 1-888-999-0263, ext489-8226.
Sincerely,
*** *** *** * *** *** *** ***
Nationwide Insurance Companies

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This letter is in response to the inquiry received from your office on July 23, 2015. We understand that Mr*** is concerned about the timeframe of his vehicle repair. We were concerned about the repair timeframe as well. We also understand that his vehicle may be out of alignment. Regarding the wheel alignment, our field associate estimated and paid *** *** for a wheel alignment on his original estimate. I reviewed this with Mr***. Mr*** indicated that he had not addressed this issue with *** ***. As the alignment was estimated and paid for, this would be a quality of work issue with *** ***. Mr*** reports that his check engine light came on. I reviewed this issue with him by phone on July 23, 2015. I explained that the cause of the engine light coming on needed to be identified and if found to be accident related, it would be covered under the claim. He explained that he would take his vehicle to a Volkswagen dealership to have the issue diagnosed and call me to review. If there is any additional accident related damage that we are not aware of, we are happy to address it with Mr***. Mr*** requested that he be paid for lost income while his vehicle was in the shop being repaired. Mr*** drives for *** *** *** which is why he would lose income. Carrying persons or property for a fee is specifically excluded in the policy. Therefore, we would not pay Mr*** for any lost income while the vehicle was being repaired
Regarding the delay of repairs, we believe that *** *** is responsible for the delay. On April 14, 2015, Mr*** reported his claim to Nationwide Affinity Insurance Company regarding damage to his Toyota Prius. He reported that the accident occurred on April 1, 2015. On April 14, 2015, Mr*** was involved in a second occurrence which caused additional damage to the Toyota Prius. The vehicle was towed from the scene of the accident to Mr***’s shop of choice, *** *** in *** *** *** Both claims were assigned to the field associate on April 14, 2015. On April 15, 2015, the field associate contacted the customer by email and voicemail. The initial inspection occurred on April 20, 2015. The field associate wrote two separate estimates and issued payment on both claims to Mr*** and *** ***. The customer was provided a copy of both estimates by email. The field associate left a message for Mr*** on April 20, as well. The field associate reinspected the vehicle on May 14, 2015. He found that the only work *** *** had completed on the vehicle was to remove several of the damaged parts; no repairs had been started. The field associate did not observe any additional damage to the vehicle that would require a supplement. Upon observing that *** *** had not begun repairs, the field associate alerted Mr*** to the issue. Both the field associate and Mr*** had difficulty in reaching *** *** to receive updates on the repairs of the vehicle. The field associate stopped by *** *** on multiple occasions to inspect the vehicle and the shop was either closed or was told the vehicle was not at the shop. Mr*** had to go to the extraordinary measure of having Toyota track his vehicle’s location by GPS. This occurred over the span of a couple of weeks. On June 11, 2015, *** *** alerted the field associate that the repairs to the vehicle were complete. The field associate made several attempts to reach *** *** to obtain a copy of the supplement but was unsuccessful. The field associate was able to reconcile the supplement on July 8, and make final payment. While we can appreciate Mr***’s concern regarding the length of time it took to repair his vehicle, the delays were caused by *** ***, not Nationwide Affinity Insurance Company
If you require further assistance in this matter, please contact our Customer Relations Coordinator, Gerrie H*** toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Brad S***
*** ***
Nationwide Insurance Company of America
Phone: #########
Email Address: ***

I have had insurance with Nationwide for year I have no accidents or tickets I have three vehicles and have not had any issues with Nationwide until two weeks ago I found out by my agent that Nationwide was going to add my year old son to my policy My son came to visit months ago and I helped him get is DL Yes it was is 1st DL He was deciding if he was going to stay with me or move back to *** where he lived with his dad and grandmother He decided to move back to *** Nationwide said that I had to show proof that my son lives in *** and gave me day or they were going to add him to my policy and charge me a penalty on top of canceling me at the end of my policy term This was so upsetting to me because I have been a good customer!!! I send Nationwide my son't proof of residency for *** and everything should be worked out (not completely sure yet) I feel like I was treated unfairly and that this insurance company can do what ever they want to I am NOT a happy customer By the way I have never in years wrote a complaint about any business My policy number is ***

I reject the response from Nationwide Advantage Mortgage.
This complaint was made to the Revdex.com for the purpose of addressing and the potential resolution of the issues regarding a Contractual dispute & improper servicing issues.
This is not a complaint to advise the Revdex.com of what happens in a foreclosure proceeding or decide on legality issues, it is to notify, address and preserve the solidity and credentials of Nationwide Advantage Mortgage Company, "NAMC/Nationwide" as a Revdex.com accredited business acting in compliance and good faith to be a reputable, fair dealing business that provides consumers with certain standards of practice such as transparency, honesty, full disclosure of Contracts, honoring terms and effectively fixing mistakes.
The contractual disputes of this complaint are the following:
Nationwide as a company, services and acts as the Lender to a certain Contract and it's terms given to *** ***, the consumerThe contract was for the purchase of property.
The contract is parts; Note Mortgage
The terms of Paragraph of the NOTE state- " In return for a loan received from Lender, Borrower Promises to pay the principal sum of $71,231....to Lender"
The terms of Paragraph in the NOTE state- "Borrowers promise to pay is secured by a mortgage....or similar security instrumentThe security instrument protects the lender from losses which might result if the borrower defaults under this note."
The terms in the MORTGAGE, first sentence, state :
" THIS MORTGAGE (security instrument) is GIVEN June 29th, The mortgagor is *** ** ***, unmarried."
The MORTGAGE states it is a uniform security instrument covering real property(which is our property at *** *** *** *** *** *** ***)
To keep THIS complaint "transparent" and easy to understand I will speak in layman words
The terms of these Contracts combined hold that the Lender, Nationwide, had given a mortgage and secured the property as collateral to protect Nationwide from their loss if the borrower, *** ***, would default and not re-pay the loaned funds of the Note which were used to purchase the property secured.
After discovering certain facts, it has been found the Contract was irreparably broken from it's inception and over the course of EIGHT years Nationwide had misled their Consumer*** *** believed he was paying for what Nationwide's contract had provided him, a home, propertyHe had been paying a company but not for any secured property, for no property had been securedHe had been paying SOMETHING, but it is not know for whatWhat had been found -years after the contract was agreed to- was that the funds from Nationwide's loan had NOT PURCHASED NOR SECURED THE PROPERTYThe previous owners were ***'s parents, the "sellers"*** had inherited & taken the property freely, ***'s then Boyfriend, *** ***, the "buyer" took his interest to the property with a loan to payoff what the ***'s parents had still owed to their lender, ** ***Nationwide had incorrectly used *** ***s loan funds and FAILED to pay off what the sellers still owed to ** *** so the property remained UNsecured as to to *** ***, *** ***, OR Nationwide.
In years time, Nationwide did gain a secured position but only because ***'s parents paid off ** ***. The FACT STILL REMAINS THAT NATIONWIDE is and was the responsible party to uphold their obligations to the contract and SOMEONE ELSE PAYING OFF WHAT NATIONWIDE WAS REQUIRED BUT FAILED TO PAY and never addressed or disclosed WAS an absolute undeniable breach of contract
It has been evidenced by factual documents and PROVEN that Nationwide's contract with Consumer *** *** was VERY misleading, VERY deceptive, and VERY VERY un honestUpholding the consumers promise of the contract, *** *** had been paying Nationwide for what his contract afforded; his Fee simple, unencumbered individual right to ownership of the property but unknown to him until recently that was all false
Nationwide had not at one time in eight years disclosed this to *** ***Nationwide had sent a mortgage bill for EIGHT YEARS and several threats during hard times demanding payment of the home loan or Nationwide would foreclose, when the whole time Nationwide had knowledge they COULD NOT legally foreclose, not without first paying ** *** like they were required to do, but failedNationwide made a loan modification after a hardship in which required a title search of the property per HUD & Nationwide's guidelines and a tax return from *** to verify employment & proof of marriage
-The title search would clearly show the ** *** mortgage from ***'s parents was still unpaid, NEVER satisfiedThat was covered upNationwide made a assignment of the loan to MERS which reflected Nationwide no longer held the loan or was mortgagee of the propertyNationwide admits, NOW, after ** *** has been paid off that the assignment was an "unfortunate error". Nationwide was at risk to not only have exposed the laundering and misplacement of money, but the issue of how they were going to make a modification of an FHA loan and receive Government insurance proceeds for making that modification when it is indefinitely NOT permitted by HUD for a lender to even have an FHA insured loan on encumbered property which the lender would not be able to convey to HUD for say the instance of foreclosureFHA insurance is for the purpose of Government reimbursement TO lenders for their loss of money lent purchasing the homeNationwide had no loss, and COULD NOT convey a clear title to HUD because ** *** had First lien position of the property with ***'s parents still unpaid VA insured loan yet Nationwide covered this up, reported information for Government proceeds instead of fixing any of these problems and to this day they "deny any wrongdoing" when ALL I have said is documented and provenNo one did any of these last few mentioned things except for NationwideIt took us well over a year to figure all these things out in our tiring search to track down where *** ***'s loan funds had really gone (which we still have not for certain) and all this sounds so outrageous we are unheard, belittled and just emotionally dumbfounded as consumers when we have proven this, asked Nationwide for help or understanding or SOME KIND of explanation, but in the end just under the foot of "Big bank does no wrong" "We are in compliance - your a bum homeowner looking for a free house" and boomThey take our home! .......How is that for customer service & servicing issues?
- *** ***'s tax statements requested by Nationwide undoubtedly proved he was married to *** as they were filed JOINTLY in both *** & ***'s namesNationwide was discriminate to the fact *** was married and refused to put ***'s name on that modification in Aside that being alienation of property by failing to obtain the signature of a spouse in jointly owned property it voids a contract under *** LawNationwide was further hiding the fact they held a "loan"- fabricated or not- on a home that only had ONE owing spouseNationwide has been intentionally ignorant and discriminate of ***'s marriage to avoid inclusion of ***'s interest in the property yet they possess receipts from almost ALL payments ever made since that bear the name only that of *** as sending pymt
Nationwide never fulfilled their contractual agreement of securing the property for a loan AT ALL but continued to make Consumer *** *** believe they didBecause *** & *** both had an interest in the property Nationwide's non payment to ** *** effected them bothIf death or tragedy would have struck ***'s parents before when ** *** was paid off, and ***'s parents would have not been able to payoff ***, ** *** had the legal right to take their home when *** & *** AND *** * *** *** had believed that *** mortgage was PAID OFFInterestingly enough the loan Closers have personally stated several times upon being questioned by *** AND the **Commissioner of Insurance office that they had paid off ** *** in at the closing which has been founded to be untrueThe closers never disclosed the misplaced fundsNationwide never disclosed the misplaced fundsWe never knew about the misplaced fundsWe were only years old in and it would seem whoever knew about this scheeme just "let it ride" but the very real end result was two teenagers SO TERRIBLY MISLED AND DOOPED that one (***) ended up actually loosing the "on paper" interest to the title of her home and the other (***) was tricked into signing a contract to pay a $70,mortgage for a home that a totally different bank was still owed money for he didn't know about, he never got clear title like he was supposto and someone else got the money he has been paying back all this time
In *** ***'s reply, paragraph 4, she points out the loan was originated with *** *** *** *** and thereafter Nationwide bought the loan*** stated "Any issues surrounding a delayed payoff of the loan with *** *** *** *** and ** *** at the time of origination would have to be resolved with *** *** *** and ** ***."
***'s statement is fatally incorrect in application to THIS contractual dispute complaint as NATIONWIDE is the company to which SHOULD HAVE RESOLVED - NINE YEARS AGO why there was any late payoff at all! Nationwide is the party that has not upheld the very terms of their contract they seek to enforce now by taking our home*** *** *** *** were not a party to the Note & Mortgage nor were they required to make a PAYOFF to ** *** because *** *** entered into a contractual agreement where the "LENDER" pays or instructs someone acting under them to pay off any liens to provide CLEAR title so the lender has a first lien position and secured the home*** *** was not just handed $70,to go buy a home*** *** was given NO direct loan funds at allThe "lender" DIRECTLY paid whomever they did which is unknown despite our grave efforts, but whom ever it was, it sure was NOT ** *** as required NOR was it any CONSUMERS job to insure that! Consumers pay LENDERS, companies, and businesses to do these things as consumers are not knowledgeable of them! When the companies screw things up, or make mistakes, or commit fraud, it is the companies liability! It is outrageous to blame other places or especially the CONSUMERS! Ridiculous! Nationwide fights to enforce this contract for their benefit but will not accept liability to the errors of it! Wrong! wrong! wrong!
THE FACT remains, that Nationwide is the entity in material breach of their own contract by not assuring the delivery of their consumers funds to adequately and legally purchase the property to secure it for their consumers benefit nor even their own as it was required within it's terms.
The FACT remains, Nationwide is not a small company, they have a legal team and and an underwriting department that preforms quality control and keeps their operations within Government and banking regulations as well as their own standards for the solidity of their practices.
Nationwide's responsibility of checking consumer loans bought on the second market from originators such as *** *** is only their ownNationwide is the party with the obligation to resolve any "delayed payoff" as that matter is internal and of utmost importance to their own benefitA company that does not insure they are buying lawful, legitimate loans cannot accuse the CONSUMERS for their ERRORS and undue diligence. Nationwide APPROVED the underwriting of this loan a month before it even closed per HUD's records obtained via FOIA.(freedom of information act) Nationwide can not just rely upon saying they only bought the loan after the fact and blame someone else because Nationwide was the company that approved the loan AND submitted it to FHA to be insured! *** *** was only a BROKER that ORIGINATED loansNationwide has put us through *** and forced us as consumers to spend hours upon hours and MONTHS to track all this down when I have no doubt if the ** *** mortgage would have not been paid off they would have then done all this because it would effect their agenda to foreclose negativelyNo consumer protection for *** ***, only interest to their own advantage.
We in receipt of Emails, phone records, QWR's to Nationwide for over a year; we have asked them for help, asked them where the money went, asked them why they never addressed many errors NUMEROUS times like why they were TAKING EVERY MONTH our extra payments we had sent them for principal reduction and applied them to made up fees such as "corporate advance fees" FOUR property inspection fees in ONE month! Month after month! They "deny wrongdoing" and say they service the loan in compliance with regulations & laws but have REFUSED to look into why their own company has been collecting money from *** *** who WAS NOT GIVEN THE MONEY, NOR A HOUSE PURCHASED WITH THAT MONEY they are trying to take!
In regard to *** ***'s ownership of the property, that is not in dispute, or should not be and was previously addressed. It is not the position of any respectable company nor person to destroy a Mother and Father's natural passing of property ownership rights to their childThat type of Natural family interest comes before and is superior to any right of a mortgage LIEN and in ***, any property that is gifted or inherited is NOT community property and that is Nationwide's basis of how they can "cut off" ***'s interest in the property as they claim she ONLY has a MARITAL interest through *** *** and because he is a borrower they can foreclose that interest of hersThey deny they had knowledge of ***'s "interest" in the home yet have the original application THEY APPROVED stating she was a joint owner, listed on title, but NOT a borrowerThat application has since been tampered with and her named removed without her or *** ***'s knowledge
Nationwide lacks the knowledge and skill to fully resolve this one issue in particular and has offered *** the personal option of accepting a now $95,modification for a debt she DOES NOT OWE, for a home she already owns OR they will foreclose, which they are- AREYOUSTINKING. KIDDINGME?
Nationwide has accelerated the foreclosure and attempting to have my family physically removed from our home on August 20thWith any hope for what is Good and right, and JUST, they will NOT do this AND ACTUALLY ADDRESS THESE HEREIN ISSUES! With any hope, the Revdex.com will look into these issues as well and reevaluate their accreditation of Nationwide as one would hope these actions are not supportedI have EVERY document to PROVE FACTUAL what I have stated in this complaint plus SEVERAL SEVERAL others that include forgery, misstatements, Nationwide's attorney admitting their breech of contract upon selling the loan when that was also not within the terms of their assignment contract but these things are not founded in this complaint but will be produced upon request
Sincere apologies for the length of this responseThis is no little problemAny additional needed documents or proofs for the Revdex.com's review of this complaint can be requested and provided by us quickly.
Thank you for your time
*** *** & *** ***

This letter is in response to the complaint filed with your agency by *** ***
regarding the past due payment owed to Nationwide and effort to collect the debtI
have reviewed the details of the policy and will be happy to respond to the concerns of
our policyholder
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In his correspondence with the Revdex.com, *** *** states that a
Nationwide Homeowners policy was issued for him without his knowledgeHe states
that he requested that it be cancelled and that he was still billed for a portion of the
premiumHe indicates that the account was eventually sent to the Collections
department*** *** has requested that his Nationwide Homeowner policy is
cancelled back to the date of inception and that the collections efforts are terminated
I have confirmed that *** ***’s policy has been cancelled back to the date of
policy inception- September 30, and there is no money owed on the accountThe
Collections department has been advised to close the collections accountThey will be
sending *** *** a closure letter
I sincerely apologize for the inconvenience that this matter has caused ***
If we may offer any further assistance in this matter, please contact our customer
advocacy coordinator, *** ***, toll-free at ###-###-####, ext#####, direct
at ###-###-####, or by email at ***
Sincerely,
*** ***

Dear *** *** *
Thank you for the opportunity to respond to the Revdex.com regarding policynumber *** for *** *** *** and to address her concerns about the policyOn 03/15/2011, *** *** purchased a six month insurance policy from * * *
***
*** *** with a bill plan of 16.7% down and installmentsThe policy last renewedinto the term beginning 09/15/when the renewal offer was accepted with therenewal down payment in the amount of $paid on 09/13/On 10/31/a Notice of Installment Due was mailed to *** *** advising her that thesecond installment payment of the term was due on 11/15/in the amount of $On 12/03/we received a signed request to cancel the policy effective 11/24/2014.On 12/04/the request was reviewed and processed per the request received on12/03/Our company processes all mid term cancellations at the customer's requestas a short-rate calculation or unearned pro-rate premium x This process has beenfiled and approved by the *** Department of InsuranceUpon cancelling the policy at *** ***' request, a remaining balance of $showeddue on the policyThis balance included $for coverage extended up to thecancellation date and $for the short rate calculation*** *** had a payment dueon 11/15/that was not paid and coverage was provided until the selectedcancellation date of 11/24/As an accommodation to *** ***, the $shortrate calculation has been removedThe only amount owed now is for the coverageprovided up to the cancellation date totaling $In reference to the fluctuating due dates on the policy, the bill plan *** *** selectedrequires a payment to be made every daysIt states in the policy document mailed on03/11/and 03/18/that our company reserves the right to impose a fee if thepremium is not paid by the due dateWhen the payments were made after the stated duedate, listed on the installment notices, a late fee was assessedI trust that I have addressed the issues within *** ***' complaintIf I can be of furtherassistance, please contact me at ###-###-####Sincerely,*** *** *** *** *** *** ***

black">Dear *** ***:
This letter is in response to the complaint filed with your agency by *** *** regarding her Automobile policy.
The above referenced auto policy was written with an inception date of May 13, 2014. The policy bills on an installment account with payments due on the 23rd of each month
The policy renewed effective November 13, 2014, with a semi-annual premium of $843.30. Due to the late payment of the bill due on September 23, 2014, Nationwide issued a bill for $due on November 23, 2014, which reflected the premium due for October and November. On December 2, 2014, Nationwide issued a Notice of Cancellation indicating $must be received by December 18, 2014, or the policy would cancel effective December 19, 2014. The amount listed on the Notice of Cancellation included one $late fee
On December 18, 2014, Nationwide agreed to place a hold on the policy until December 29, 2014, to allow time for the policyholder to make the payment due on November 23, 2014. On December 29, 2014, *** *** made a payment of $to her local agency A proper hold was not placed on the account to allow time for the payment to processOn December 30, the policy cancelled on due to non-payment of premium effective December 19, The policy was reinstated with a lapse in coverage effective December 29, 2014, and a semi-annual premium of $1,279.00. The policy should have been reinstated with no lapse in coverage effective December 19, 2014. Nationwide adjusted the reinstatement date of December 29, to December 19, with no lapse in coverage.
A proof of coverage letter addressed to the Pennsylvania Department of Transportation was issued on January 16, to show policy number *** *** resumed active coverage effective December 19, with no lapse.
During the time period when the policy was being corrected, a refund of $was issued to the policyholder. The refund was stop paid and reapplied to the policy when the policy was reinstated with no lapse in coverage effective December 19,
On January 8, Nationwide issued a bill for $due January 29,
On January 15, the bill in the amount of $due January 29, was cleared when the policy cancelled. Nationwide issued a refund to the insured in the amount of $
On January 26, a payment of $was received.
On February 4, Nationwide re-billed the insured’s account for $due February 28, 2015. This bill represents the semi-annual premium of $minus the January 15, refund of $151.30, minus the January 26, payment of $which equals $This premium balance was divided by four equal installments remaining in the policy term
On February 11, 2015, a premium credit of $applied to the account cleared the February 28, bill of $This credit is the result of an adjustment for the removal of a lapse in coverage, and the removal of a September 5, accident surcharge.
On February 20, the February bill was re-issued for $due on February 23, This bill represents $premium balance from February 4, minus the credit of $which equals $The $balance was divided into three equal installments remaining in the policy term which included a $installment fee.
On March 5, a payment of $was received for the policy clearing the February 23, bill.
On March 6, a bill for $was issued due March 23, which remains outstanding
On March 30, a notice of cancellation was issued indicating $must be received by April 16, 2015, or the policy will cancel effective April 17, This amount includes a $late fee
A second refund of $was issued to the policyholderThis refund was issued because the policyholder was not aware that the original refund check for $was stopped and reapplied to her account
The current balance due on the policy is $508.30. This includes the March and April bills of $each, plus a $installment fee, and the second refund of $(which *** *** was advised would be added to the balance)
*** *** has also raised concerns regarding her claim dated September 5, Our records indicate this accident is coded as not at fault and will not be surcharged on her policy
Nationwide regrets that *** *** did not receive the level of service she expected from Nationwide. We continually work to ensure our member receive the highest level of customer service.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ** *** ***
*** *** ***
Nationwide Insurance
###-###-####

Received a nice quote and paid it for two weeks until I did a transfer of collateral (Bike had too many issues, and was traded for another)They told me they had the wrong bike under insurance and upped my costs by dollars a monthI figured that was fine being that the bike they had under the insurance was a slower duel sport bikeI double check by starting another quoteThat quote is dollars cheaper than what I currently payI've been put on hold for an hour and forty-seven minutesI have since spent hours on the phone because the vin number that I have the current policy with doesn't match the bike (The same one I have a current policy with)I'm stuck paying dollars extra a month because Nationwide has locked me out of seeing what I should be payingOn the phone they are dodging my questions, telling me I should join a motorcycle club to save money, and that somehow after I begin paying that the price will jump againI have a clean record and anything that could influence the cost of my insurance has already been entered into the quote

Good morning Ms***
In reviewing the history of the Nationwide Visa Buxx card referenced in your complaint, the card in the name of* ***, which you funded, was closed with available funds remaining on the cardWith the card in aclosed status, it is not possible to
refund the card balance to the funding accountHowever, a check was issuedto you and mailed to the address shown above on October 14, That check has not been cashedWe haveplaced a stop payment on that check and issued another check on November 30, 2015.With regard to a delay in responding to your request, our records do indicate multiple telephone callsWe arecontinuing to research the repeated efforts made on your part to resolve this situation, and are addressing anyfailure to log and escalate telephone calls appropriatelyWe do certainly apologize for any lapse in service oreffective communicationMs***, you indicated that your desired settlement would be to have the remaining balance on the card bereturned to the funding cardAgain, because the Buxx card has been closed, the only delivery method availableto return funds is via checkThe check was issued a second time on November 30, in the amount of $Aswe ask our customers to allow seven to ten business days to receive a mailing fmm Nationwide Bank, it ispossible that you have not yet received the checkAgain, please accept our apology for the poor service that you received in this situationThis does not representthe level of service that you should expect from Nationwide BankWe appreciate your feedback and theopportunity to review and improve our processesSincerely,
Anne LC*** *** *** ***

I currently have Nationwide Insurance and have filed a claim due to the recent ice storm in our area and after reading many other complaints regarding this Insurance Company, I am not going into all details because most of what we are experiencing most people that has filed a complaint has experienced We have never been felt like 2nd class citizens over trying to file a claim with NationwideI have always paid my Insurance on time, and it has taken us weeks and we are still fighting with them, and they are my Insurance CompanyI would never suggest Nationwide Insurance to anybody and I will end up hiring an attorney before its over and I can promise them it would have much cheaper to have fixed our vehicleThere Nationwide on your side commericals...thats a joke...! Stay away from Nationwide Insurance

the issues of the statements made have not been addressedThey have not even been mentioned
The issue of my being invoiced for premiums for the policy (and those checks being cashed) have not been addressed
The previous policy had premiums at a higher level then my new policyTherefore a refund would STILL be owed to me, and I should most certainly not have been invoiced
I do not believe that Nationwide has taken this issue seriously at all
therefore I feel I am not left with any option other than to take up the matter with the Insurance Commissioner for ** and look to file a legal claim
Regards,
*** ***

*** *** ***
*** ***
*** *** *** ** ***
*** *** ***
*** ** ***
*** *** * ***
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
Since our last letter in response to this request for assistance, we have discussed the matter again with *** *** and have forwarded the claim to our litigation department to work on collecting the amount we paid for our insured’s car repairsWe will await the results of possible litigation against *** ***’s insurance company, *** ***
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,
*** ***
*** *** *** *** ***
Victoria Fire & Casualty DBA Titan

Dear Ms***
I am writing in response to your concerns regarding your refinanceI am very sorry to hear that you have had difficulty in completing the refinance processI have gotten in contact with *** ***, *** *** *** *** and explained thesituation***
has been able to review the information and has taken ownership ofyour concerns*** explained that she is actively working with you and has spokenwith you today, 09/04/2015, and will speak with you again on 09/08/2015.Again, I apologize for the frustration you have experienced in attempting to completethe refinance processWe hope that we can come to a resolution for you in the nextcoming daysPlease feel free to reach out to me if there is anything further I might do toassist youSincerely,
Sara H*** ** *** ***###-###-####

This is in response to the inquiry received on April 21, for the above policyholder and her property policy
"margin: 0in 0in 0pt 0.5in;"> Ms*** has expressed concerns on our Company’s calculated replacement cost and that it was increased after the personal property policy was purchasedOur Company’s application for a personal property policy states that Nationwide Mutual Insurance Company or its affiliate or subsidiary company providing coverage can make adjustments to Coverage A or commonly known as the replacement/reconstruction coverage. It goes on to state changes will be made based on a Home Care review that will be completed on the homeMr*** signed the application agreeing to this process. A copy of the application has been enclosed
The Home Care review took place on July 23, with an interior and exterior survey being completedThis review revealed several discrepancy’s compared to what Mr*** provided during the application process on the interior and exterior of the home that contributed to the increase in replacement costThey are:
At the time of the application 100% vinyl siding was indicated, during our review the inspector indicated the home was 80% wood shakes and 20% wood sidingSquare footage for the porch, square footage for the greenhouse and square footage for an additional porch were not included on the applicationOn the application it was stated the home was 100% drywall, during the review it was found to be a 100% plasterHardwood floors were entered as 40% during the application, however the inspector found it to be 75% hardwood floors
There are several other items that were updated but the above are some of the main differences that increased the replacement cost from $201,to $278,A letter was sent to Mr*** on August 21, stating the Home Care review was completed and that the replacement cost was being adjustedA copy of the notice has been enclosed
Ms*** indicates she has received a much lower replacement cost from our competitorWe cannot speak to how another company calculates replacement cost or their company guidelines.
Ms*** also indicates we are not sending the full refund due to the policy cancelling midtermIf the customer request cancels their policy prior to the end of the renewal/midterm, the policy will be pro-ratedPro-rating is spreading the premium, on a daily basis, over the policy periodWhen a policy is cancelled midterm, pro-rating calculates premium earned by the insurance company and the amount the customer is responsible forEvery dollar in excess of the earned premium is considered unearned and it will be refunded to the insuredMs***’s policy is being cancelled effective April 16, per the Policy Cancellation Request form our Company received on April 18, If there is an in excess of the earned premium, it will be refunded to the Mrand Ms*** within to business days
Thank you for the opportunity to review our business handling of the insured’s personal property policy
If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Bridget MD***
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Thank you for the opportunity to respond to the Revdex.com regarding policy number ###### for *** *** and to address her concerns about the policy
On 8/2/2013, *** *** purchased a six month insurance policy from *** *** *** with a bill plan of 16.7% down and installmentsThe policy took effect on that day when a payment of $was received
On 4/3/2014, proof of duplicate coverage was received from *** *** and the original cancellation of 9/20/was revised to 9/9/This revised cancel has also revised the outstanding balance due for coverage provided from $to $The collection agency has been notified of the revised balance due and will still be pursuing the outstanding balance
I trust that I have addressed the issues within *** *** complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

Please accept this letter in response to *** ***’s correspondence dated August 26, regarding the above cited claim. It’s my understanding that *** *** has concerns around two separate claims. We previously addressed the concerns regarding the damage to the roof. We have requested a breakdown of the contractor’s estimate in order to determine what pricing differences exist.
The second estimate that *** *** is referring to is damage to a ceiling from an incident where her contractor fell through the ceiling. We have reviewed this estimate and it appears that the scope of each estimate is the same. This estimate is a lump sum so we are unable to determine why there is a price difference. As we have requested with the roof estimate we would request that the contractor break this estimate down by line item so we can determine what pricing differences exist.
We appreciate the opportunity to resolve *** ***’s concerns.
Sincerely,
*** *** ***
*** *** ***, AMCO Insurance Company
Phone: ########***

I had purchased pet insurance several months ago for my furry friends and I got basic wellness coverage thinking my cats are in pretty good shape but you never knowIndeed, little did I know that what I read on Nationwide's EOB is not what I getMy cat got sick couple weeks ago and I took him in to the vet, had a few blood tests and other general exams done, eventually having been diagnosed with kidney issuesAPPARENTLY, all the tests done leading to the final diagnosis aren't considered general wellnessnot the blood test, not the physician exam, absolutely nothingA total shamThey said general tests have to be related to injury (in my case) or fleas/heart worms...I wish that would've been clear to me when I purchased the insurance, but guess what, it wasn'tBelow is a summary of types of wellness plan, basic and premium, I had basicthey both list general exams as part of what they cover, and it doesn't say if the final diagnostic is a disease, then forget about it! thieves!!!
Maximum annual benefit $$Physical exam:
Two exams per policy term
$$max per exam
$$max per exam
Behavioral exam and/or treatment $$Vaccination or titer $$Heartworm or FeLV/FIV test $$Fecal test $$Deworming $$Nail trim $$Microchip $$Health certificate $$Flea control or heartworm prevention $$One additional test:
(1) Health screen (blood test)
(2) Radiograph (X-rays) or
(3) Electrocardiogram (EKG)
$One test per
policy term
$One test per
policy term

I am rejecting this response because: They lead me to believe information that they did not verify, They should not call people to solicit business and lie to them in order to get them to change insurance'sThey didn't provide me with any coverage they are just cover up there mistake I want other to see my complaintI have paid this company a ton of money over 5-years and they are not loyal to the loyal customer and I feel people should know that, my hope is to keep consumers from purchasing insurance on falsified informaiton people should not be trusting of Nationwide they are NOT!!!! on your side and they falsley advertise that they are
Regards,
*** ***

Initial Business Response /* (1000, 5, 2016/02/04) */
Contact Name and Title: ***
Contact Phone: ***
Contact Email: ***@colonialhonda.ca
*** purchased a *** from Colonial Honda on November 13, He is claiming that the car had rust on the floor
board
The vehicle was sold with the disclaimer of no warranty implied , and Safety Inspection onlyAs such we do not feel that we are responsible for the rust and the subsequent repair cost associated with the damage
However, as a goodwill gesture, we are prepared to Offer *** a re-imbursement of $*** including HST as a resolution
Initial Consumer Rebuttal /* (2000, 7, 2016/02/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
though I am entitled to be fully reimbursed,
entitlement doesn't buy me grocery, $*** does

Thank you for your recent inquiry regarding a complaint you received from Ms*** ***I have reviewed this claim file and would like to address her concernsThe concern regarding the poor time service
This claim was filed on June 23, 2015, for a theft that occurred at the
residence with all entries of the home sustaining damage from a break inThe handling adjuster made contact on June 25th when the claim was assigned to him to gather the facts of the lossOn June 27, 2015, the adjuster received pictures of the damages to the home and on July 2nd, received an estimate from Lowe’s(The adjuster was also investigating the personal property that was stolen.) Once this was completed, he prepared an estimate for repairs on July 15, The adjuster, at this point, had not yet received the Power of Attorney to be able to speak with the relatives of our insured regarding the loss; this was received on August 5thThe additional information for the Lowe’s estimate was received on August 31st, and a message was left with the insured at that time.The first payment was issued on September 3, The concern regarding the unsatisfactory estimate…
The estimate for the damages sustained in this loss was prepared based on the prices that were current in the area at the time of the lossThe estimated cost for the materials was in line, but there was a difference in labor costWe did offer to have one of our preferred contractors in the area to come out, which they agreed to, but later cancelledHowever, this claim has since been paid out on and is moving forward to conclusion with communication with the insured’s familyWe hope this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to call meSincerely,
Christopher K*** ***