Nationwide

I called in to Nationwide to get a general quote to see how much difference it would make to my account if I added in the future people to my policyBig mistake the rep Bethany told me because my policy was being renewed she couldnt give me a quote that day but would call me back after they redo the policyAbout days later they send me a letter telling me that the people will start being active on the account in days and the new bill will be about $more then what I pay alreadyI've called and talk to so many reps to get ths resolved instead of correcting the matter, they tell me to sign forms and fax them back, also they want proof that one of the persons' don't reside with meSo not only do I need to ask someone for personal iformation to get them off my policy, I have to be put through a whole ordeal because Bethany doesn't know the meaning of QUOTE!!!!!!! Then my complaint takes days to resolve when it took Bethany a couple of seconds to add them on the policyMy advice to all do not ask for a quote to add people to your policy unless you ask if its a general quote, or better yet unless your for sure your adding them think twice before callingBecause if they can automatical add people off a question.They obviously don't have respect for your choices, and you will pay for it in the end!!!!!!!!!!!!!!

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*** *** *** ** *** *** *** *** *** *** ** *** *** Dear Ms*** ***:Thank you for notifying us of your complaintWe strive to provide our customers with the best possible
service, and when a customer feels that we failed to meet their expectations, it’s important for us to know.We’re sorry that you received service that prompted you to contact us with a complaint, and we regret any inconvenience or frustration that this experience has caused youTo ensure that our staff conducts itself in a manner that reflects the high regard that we have for our customers, we always review themI’ve reviewed this complaint with our associates that were involved with your purchase and sales of your new equipmentI reviewed your complaint with our associates and with *** ***Doing some of this review it can be understood how things got off track on what model of heat pump was decided uponNo excuses intended but it being off by one number can be confusing to mostThat one number made a difference as you are awareOur resolution to this is what you requested and that is to replace this heat pump with the Infinity and matching thermostat to make it a matching systemWe will remove the first heat pump take it to our office and the present thermostatThis will be done at our expensePlease call in and ask for *** *** to schedule this as soon as possibleOur customer’s patronage is important to us, and we sincerely apologize for not meeting your expectation of quality service.Thank you again for bringing these matters to my attention.Sincerely,*** ***President

We are in receipt of your correspondence May 3, addressed to *** ***, regarding *** ***s concern of his increased monthly installmentI will be happy to respond to the concerns of Mr***’ on her behalfPolicy *** is a semi-annual personal auto policy
which incepted December 18, and was cancelled effective May 2, per a received written request from Mr***Please note that the auto policy was being billed under billing account number *** with policy *** *** an annual renters policy.On February 5, 2016, the Underwriter cancelled the policy effective February 22, because not all household drivers were listed on the policyOn February 9, the cancellation was reversedThe automatic payment scheduled for February 18, was reduced to $to only pay for the renter policy since the auto policy cancellation was processedOn February 19, 2016, Mr*** spoke with a Customer Service Representative (CSR)The CSR advised the automatic payment on March 18, would be a two months installment for the auto policyAn exact amount for the March 18, payment or the payments going forward were not provided by the CSROn February 23, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into three installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on March 21, On March 25, 2016, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into two installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on April 19, 2016.As of May 9, 2016, there have not been any payments returned to NationwideIf Mr*** is able to provide a copy of a bank statement showing the Nationwide payment caused an overdraft fee to be accessed to his checking account, the overdraft fee is able to be reimbursedThe bank statement will need to show a running balance from the day before to the day after the payment was madeThe reimbursement of the overdraft fee is able to be offered because the CSR did not provide a dollar amount for the future paymentsThe auto policy premium is not able to be waived because a correct billing statement was issued based on the policy balanceIf you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at ***Sincerely,
Jake M*** ***###-###-####

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This letter is in response to your inquiry received on June 19,
The above referenced policy was written effective November 7, and a premium of $526.20. During our discovery period there was a claim, and an investigation completed by our Special Investigations Unit. The investigation revealed that the policyholder did not live at the policy address. This constitutes material misrepresentation by policyholder at the time of application The policy rate was then corrected to the appropriate address and rate based on the findings of the investigation This change was completed during our discovery period and resulted in an increase in premium of $ Please refer to the attached bill and Policy Declarations prepared and mailed on February 6, that states the reason and the amount for the increase in premium The new policy premium was $ The policyholder sent in a request to cancel the policy effective February 12, 2014.
Premium for the time the policy was in force (November 7, to February 12, 2014) $
Payment received from *** *** $
Balance Due Nationwide $96.30
Please contact me if you require further assistance
Sincerely,
*** ***
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Enclosures: Dec issued 2/6/
Bill issued 2/6/

"MARGIN: 0in 0in 0pt 0.5in" class="MsoNormal">Our records indicate the Auto policy mentioned above has been listed at the address of *** *** *** *** *** ** *** from inception of the policy. The billing account also has the same address listed, however, is set up on Paperless billing. This means that bills are sent to the email address on file
Our records indicate a bill was generated for $due December 1, 2014. After no payment was received a Notice of Cancellation (NOC) was sent for $due December 25, or the policy would cancel effective December 26,
There was no payment received and the policy cancelled effective December 26, 2014. A refund of $was sent to the address on file and cashed on January 29,
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at
Sincerely,
Erica D***
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For five very long weeks, I have been asking the same question The question asked, is for someone at Nationwide or Allied to explain some very specific wording of my policy In my last response of September 12, 2014, I did, once again make reference to the specific wording of Page of my policy The response given by *** ***, on September 15, once again, gives explanation of page of the policy, and ignores my request for an explanation of page Had I received any explanation of Page of of the policy, I would not be requesting an explanation now I did write the words in my correspondence of September that I wanted an explanation of *** *** gave some explanation of words on Page of which I clearly understand to be the "exclusions" of the policy I did ask for an explanation of the "exceptions" found on Page (and stated clearly in my last correspondence)
What seems to be happening is that *** *** seems to be purposefully ignoring and declining my request It does not seem like an unreasonable request to ask an insurance company to explain policy wording for sake of understanding by the insured
It seems unusual to me that over contractors have come to my home Each and everyone of them understood that the ceiling in my basement buckled (tongue and groove portions) and cracked (new drywall construction 2013) in some areas because the back wall of my home bowed resulting in the complete collapse of a window well Yet, Nationwide sent a second adjuster to my home, issued me a second claim number, and insisted on viewing my upstairs bedroom and roof
My second question to Nationwide after this second adjuster visited on September 3, 2014; was: "how is this a second claim" Nationwide did purposefully send a second adjuster to my home, called this adjuster a "catastrophe specialist", told me this adjuster would explain any or all parts of my policy, all under the guise to set me up with a second claim number in order to cause me to be un-insurable
Nationwide wants to talk about roofs and ceilings throughout my home so that they don't have to answer the primary questions I have asked about my policy
It has become my firm opinion that Nationwide is employing a tactic to keep me from asking other questions about my policy which are specific to my circumstance Nationwide refused to document the actual damage of this event, and the true loss to my investment Nationwide had the responsibility to pay me for provisions of my policy because the damages were caused by another individual's specific act Nationwide further had the ability to recover any payment to me for my complete damage and loss, and seek subrogation against this person who caused damage to my property through his homeowner's policy
*** *** has made no attempt to explain the policy wording that I requested explanation of *** *** has made no attempt to remedy this business about "two separate claims" Nationwide adjusters made comments about the "maintenance issues" on my property when I showed them damage
I do have photographs taken of all areas of my property on June 30, documenting no single sign of maintenance issue I do have tens of thousands of dollars of receipts demonstrating that this property was properly maintained I do have witnesses that the rear neighbor brought dump trucks full of dirt, and did re-grade the back alley causing several of the block homeowners to experience damage from this one man's acts
In the report of the first adjuster, *** ***, the value of my year old high efficiency Trane furnace was valued at $even though I showed Adjuster Smith the receipt for $in 2010, and maintenance receipts on this mechanic twice a year since purchase *** *** intentionally undervalued my loss in this and other instances I should also be asking why Nationwide refused to document my true loss from this August 11, event, but Nationwide is not allowing me to even get an answer to my initial request for explanation of specific policy words.
I am left with one thing to say, and it is this: *** ***, I am seeking an explanation of the following wording of my homeowners insurance policy found on Page of 28, and stated clearly in my previous response to you, and sent prior via UPS to the Revdex.com of Central Ohio The explanation I am seeking is of these specific words which I will repeat here, as I have repeated for five long weeks, and those words are, and follow the words of your Page 14:
...beginning on Page of 28: "Section I: Perils Insured Against" This section includes all exclusions of coverage (as pointed out by *** ***), but then state the following exceptions:
We do not insure for loss to property described in Coverages A and B caused by any of the following However, any ensuing loss to property described in Coverages A and B not precluded in Section I - Exclusions in Aabove is covered
Weather conditions However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Ato produce the loss
Acts or decisions, including the failure to act or decide, of any person, group, organization or government body
Faulty, inadequate or defective:
aPlanning, zoning, development, surveying, siting bDesign specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction
cMaterials used in repair, construction, renovation or remodeling:
or
dMaintenance
Of part or all of any property whether on or off the 'residence premises'
** *** these highlighted words are the words I want explained Is it possible for you to explain these words? Need I re-iterate my understanding of these words highlighted in my correspondence of September 12?
I remain resolved that the exception to my loss was the grading issue caused by my insured rear neighbor I remain resolved that Nationwide owes me an explanation of the specific policy wording that I have repeatedly requested explanation of Kindly conduct yourself, and acknowledge and address my request.
Regards,
*** ***

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This letter will provide a response to your letter with regard to the complaint filed by *** ***
On August 28, 2013, a claim was filed by our insured for a loss which occurred on August 22, involving water damage to the interior of the residence caused during the replacement of the roofOn August 30, we assigned this claim to Associated Claims Service to inspect the damage and aid in the investigation of the cause of loss and scope of damage in this claim
*** *** inspected the loss to view the damagesHe inspected all of the rooms on the main level of the home as well as the attic spaceHe observed visible damages to all of the attic insulation as well as the ceilings of all the rooms of the homeThere were indications that there was likely water infiltration into some of the walls in some of the rooms of the home. The total damages paid to our insured’s for interior damages and additional living expenses were $41,We later paid for mold remediation in the amount $4,under the $10,Limited Fungi, Wet or Dry Rot, Or Bacteria CoverageThere were some areas of the home which contained mold that were not related to this loss and we did not cover those remediation costs
On July 2, 2014, *** *** of our office contacted *** *** in an attempt to resolve this matter and agreed to pay the remainder of the Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage in the amount of $5,We have now paid the entire $10,limit or mold which is the total amount of coverage available for mold under this policy
We believe that there are no outstanding issues that are covered under this policy.
Thank you for your attention to this matterIf you have any questions, please feel free to contact me at ###-###-####
Regards,
*** ** ***
*** *** ***
###-###-####

This is *** *** writing youI am forwarding and email I got from this man *** *** with nationwide on July He is already aware that management is handling this issue This man keeps contacting me with foolishnessHe knows that he has been trying everything to keep from cover the damages to my claim*** never turned over the estimate that was sent to him to his supervisor he with held documentsThis was submitted with my claim for the inside of my home and the second one reported at the same time was for the outside buildings which he declined allowing me to get estimates, He sent a check in the with Mortgage company name on the check to be funnyI still have that check to along with my deductible costs for both claimsIn the mean time damages are getting worseContractors see how long it's taking me to get funds for the replacement and repairs and have become skeptical that they will not get paid once the work is completed based on the actions of *** ***.
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I had a retirement plan from *** *** **, which is carried by Nationwide Retirement SolutionsI have been consolidating/rolling over my funds from several retirement accountsThis is the only one of at least 6, that has been giving me a very hard timeThis company is the only one which demanded hand signed (not electronic, not faxed) original request for this rollover on THEIR paper formIn addition, they demanded a paper form "Letter of Acceptance" from the receiving company, where I have an IRA acctGetting all this via snail mail took an effort and some timeFinally, all this had been completedPapers were mailed in March Now, in July none of my money showed up in the IRASo, finally today I spent min on a vacation day (since you can only call them during business hours, when I am at work, and cannot deal with a long phone call.)Was transferred at least timesEach time an automatic menu demanded all kinds of info, including my SS # *This felt very wrong and unsafeAfter all this, a man took my inquiry, and told me, that the rollover request is handled by their local office (!), and after it is reviewed, it gets sent to the headquartersAll by snail mail! Anyway, they had JUST received my paperwork YESTERDAY- what a miracle, just when I called! But the actual rollover takes 3-business dayAnd,no they do not notify a customer of the money being transferredSo it is my job to check with the receiving company in 3-daysIf the money is not there, I should just call Nationwide again (and, I assume, go through this phone hell all over again!)Now, I am years old, but I do not know of any other business which does not accept e-mails, faxes and demands paper transactionsNo social media presence, so no place to complain publiclyCompany is not registered with Revdex.comSo, basically, they have been holding my money for months after I made an official request to have it rolled over, and will - at best - hold it for another weekNo recourse, no way to complain or to even receive notificationsSo glad I am getting out of dealing with this company!

Please accept this letter as a status update to our original response dated September 24, 2015.As previously stated, review of policy *** for *** *** ***, indicated three claims (claim #'s*** *** *** *** *** and ** ***) were recently temporarily denied until additionalinformation was submitted*** *** *** has several noted pre-existing conditions which areexcluded from coverage on her policyDuring the initial review of her claims it was noted that the claims submitted were for the condition ofsevere chronic rhinitis which is one of the excluded pre-existing conditions, therefore we placed atemporary denial code on the Explanation of Benefits instructing the member to submit medicalrecords to review this exclusion as well as the claimsSince our initial response we have received the medical records necessary to allow us to complete ourreviewThe review found the claims noted above will remain denied in accordance with terms andconditions of the policy contractAdditionally a new claim submitted after our initial response, claim#*** *** noting a diagnosis of "chronic rhinitis," has also been denied as the condition isexcluded from coverageMedical records received from *** *** *** *** *** document that *** *** ***has had "chronic waxing and waning rhinitis for nine years" which was also noted at enrollment asbeing treated prior to policy applicationAs this condition is pre-existing and a noted pre-existingcondition on the policy, it is ineligible for coverageSection "What We Do Not Cover: Exclusions" of the policy states:8.A"This policy will not pay for pre-existing conditionsA condition is not pre-existing if itwas cured before the effective of this insurance policy and there has not been a recurrence ormanifestation of the condition for at least six (6) months."
Underwritten by: *** ** *** ***
8.T "This policy will not pay for diagnostic test(~o) r treatment(~)f or conditions excluded orlimited by this policy or tests or treatments for complications of conditions excluded or limitedby this policy."
Section defines pre-existing condition as:"Pre-existing condition means any condition that began or was contracted, manifested, orincurred before the effective date of this policy, whether or not the condition was discovered,diagnosed, or treated."
Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,
Ben W*** *** *** ***

This letter is in response to the complaint filed with your agency by *** *** regarding his automobile policyThe concern regarding payment due date and amount due
Our records indicate the policy is a semi-annual policy written with an effective date of December 18, The
policy bills on an installment account with payment due on the 18th of each monthNationwide allows a five day grace period on all installment accounts.The renewal premium effective June 18, 2016, is $The renewal premium increased $from the prior term due to a rate adjustment implemented by Nationwide in the State of *** *** effective March 30, The concern regarding cancellation
The agency advises they have not in any way tried to prevent Mr*** from leaving the companyThey have made several attempts to discuss this with him but have not been able to reach him, and have not received return calls to dateHowever, if Mr*** would like to cancel his policy he would just need to send a letter of cancellation which includes his policy number, the date of cancellation requested, and his signatureIf you require further assistance, please contact our *** *** ***, Debra C***, at ###-###-#### or by email at ***Sincerely,
Colleen F* *** ***

Dear MsMcLaughlin:
This letter is in response to the concerns filed by *** *** regarding the returned item fee on his Nationwide Auto policy
On January 18, 2016, Nationwide member, *** ***, was advised that we would accept a running bank statement as
evidence of the funds being available on the payment dateWe received that running bank statement on January 19, 2016, and have waived the feeThe matter has been corrected per Mr***’s request

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This letter is in response to the complaint received on September 17,
The non-renewal of this policy occurred effective August 3, 2014, due to possible undisclosed driver informationBased on a public records search, we received information regarding a possible driver in the household that was not listed
Without further information provided regarding this driver, a non-renewal letter was issued June 10, 2014, to the address we have on record for *** ***e, for the possible undisclosed driver in the householdThe letter advised that the policy would be terminated effective August 3, Please find attached a copy of the non-renewal notice that was sent as well as proof of mailing for the non-renewal notice
After further review of the documentation, the information received from public records for the undisclosed driver did not match the location provided by *** ***The decision has been made to reverse the cancellation with no lapse in coverage
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ***
Nationwide Insurance
###-###-####
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Fax #: ###-###-####

My letter in concern of a hit and run automotive accident in regard to my husband *** * *** yes the car accident was on 3/23/I gave a call to nationwide the next day asking for an advice because I had no clue of this person and still don’t have a clue, but I was told by one nationwide representative to wait and not file a claim yet until I had more information about the other car driver, indeed I mention to them it was a hit and run and I was still waiting on the police report, I was told it will take a few weeks and police officer had been trying to find the individualMy husband *** * ***) called and had file a claim, he was told they need it the police report, and also more information in regards to the accident was given to nationwide, all the information we had it was given to them, even I call *** *** *** in *** *** and ask for information because the car was sold to this individual on 2/19/2015, I was told no and called the investigator *** *** , I was told my insurance needs to work for us not us for them, I kept waiting and asking for help and asking I just need the other drivers information, insurance, name, so I can make my claim with the driver insurance, no luck
I had spoken with *** *** many times, but I also was told there is limited things that only he can do in regards to obtain the other’s person information, has been helping us trying to contact the officer, and getting the information, dislike the fact that Liability insurance not covering on any way, not protecting us on anyway, and feel I have to pay for someone’s else error and faultNationwide has been our insurance for more than yearsLook forward to do something about this case in order to get this resolveI know something can be done about this, I’m sure we are not the only ones that have been thru this, not understanding the fact that the other’s driver information was obtained but no insurance information on any way, and *** *** *** not cooperating to release the insurance information was purchased 2/19/

This will acknowledge receipt of, and thank you for your letter of December 2, *** ***’s complaint to you was in regards to her homeowner claim that was partially deniedIn reviewing Ms***’s claim, her claim involved reported damages to her property resulting from flood, wind,
and interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, An initial contact was made with Ms*** on October 9, 2015, and again on October 13, 2015, by the assigned claims associateThe investigation and inspection of the claim commenced on October 15, At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof ventAn estimate and payment for the covered damages (ensuing water damages) were provided to Ms***On November 19, 2015, we received a request to re-inspect the property for an additional roof leakThe re-inspection took place on November 20, 2015, with Ms***’s son, *** presentThe inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathingAn estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashingBoth inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policyWe hope this provides you the information that you requireIf we can be of any further assistance, please do not hesitate to contact us at any timeIf you have any questions or concerns, please contact me at ###-###-#### or ***
Sincerely,Debbie D***

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Thank you for the opportunity to respond to Mr***’s inquiry
Per notes from the *** *** Agency, Mr*** called the agency about his insurance premium increase at renewal. On 3/3/15, *** *** re-quoted his auto policy, and the new premium was $less for six months. *** *** called and left the new price on Mr***’s answering machine
The insured came into the agency on 3/25/and said he had not heard back from the agency about lowering his premium. At that time, *** *** went over the new quote with himMr*** advised he found lower rates at *** *** and decided to cancel his home and auto policies effective 3/25/15. *** *** asked him to sign the cancellation form, and she submitted the request on 3/25/
When the insured inquired about a collection bill for $51.21, *** *** explained that he was being charged a short-rate penalty because he cancelled his policy mid-term
On 4/8/15, Mr*** asked if Nationwide could adjust the cancellation date because he secured coverage with *** *** effective 3/21/15. *** *** requested a copy of the *** *** policy showing the effective date of 3/21/15, which is required by Nationwide to amend a cancellation dateThis change was processed and reduced his collection amount to $
*** *** also states that her dealings with Mr*** have always been professional
If you have any further questions, please contact our Customer Relations at ###-###-####
Sincerely,
*** ***

I did provide my grades twice to Allied Insurance in *** ** who deals with Nationwide insuranceI took in the grades myself and had a conversation with *** ***I can go talk with her to see where the problem happened that Nationwide did not receive these gradesI did everything that was asked of me to receive the Good Student DiscountI honestly am not upset about the price change every month, but that the company didn't take out the amount of money from my bank account around the date that they sent me notices that stated a payment was dueI had the money in my bank account for automatic withdrawal which obviously worked for the company on the months before the August payment that was due on September 12thIt states in the reply to my complaint, that on September 3, my independent insurance agent requested the company to withdraw the premium payment from my account(I went into the insurance agent and requested this AFTER nothing was taken out of my account for my payment)She did not tell me that an automated message from EFT would not withdraw the paymentIf I would have known this, I would have just wrote out a check or paid in cashAfter requesting the agent to ask the company to withdraw, nothing was taken out and I received a cancellation notice of my policyI went in and requested a new policy and the first payment of $had a due date of October 28th, and this was not taken out of my accountAfter receiving another cancellation notice, when the company failed to withdraw from my account, I went in and canceled the account on November 5th and found a new insurance provider on November 5thI have documentation of thisFrom the response letter it sounds like your company thinks, I should pay the $because you provided me coverage from September 28th to November 5thIt is NOT my fault that your company did not take out the amounts requested in September and October for my policy paymentThere was a lot of confusion and cancellation of my policy because of an error on your endIf the payment couldn't be taken out then I should have been contacted about thisI could have paid cash for these payments if it was such a problem, but no one contacted me about this and I communicated with the agent in *** ** Allied Insurance every single month I did business with AlliedI have never ran into such problems with trying to pay my bills I tried to be very calm about this situation, but it is now months after the situation happened and I still am not getting this resolvedI have had another insurance company the past months and not once had an issue with withdrawal for my paymentsI hope this can be resolved and my concerns can be appreciated and considered when looking at the situation.
Regards,
*** *** ***

This is a follow up to your conversation with Personal Lines Underwriting Consultant *** *** on Friday As she discussed with you, a response to the above mentioned complaint is being worked on, however, will require the additional time that will be allotted on your Second Notice Due
to the holiday today, we have not yet received that Second Notice I was contacting you just to inform you that it does appear those days are going to be necessary, as our response is not ready to submit today. Thank you for notating the file and I will upload our response as soon as it is complete. Any questions, feel free to contact me. Thank you,

I am writing in response to the above referenced file number. The member’s premiums are deducted from his paycheck and remitted by his employer. The member was also sending in checks for partial paymentsOur records indicate that we spoke with this
member on May 2, and advised him that we would work with his employer and conduct a complete review of his premium payments. An initial overpayment was identified and a refund in the amount of $was issued on April 21, 2016. A subsequent refund was issued in the amount of $on May 20, 2016. The member has been refunded the full amount identified in his correspondence. Our records show that both refund checks have been cashed by the memberIf I can be of any further assistance in resolving this matter you may contact me directly at ###-###-####Sincerely, Tom L***

This letter is in response to *** *** ***’s additional concerns*** *** is questioning why she received a warning notice after the cancellation and the final remaining balance amountOn January 28, 2015, the warning notice and auto policy cancellation were both processed to the billing account at the same timeThis allowed the warning notice to be issued prior to the policy cancellation processingOnce the cancellation processed, the warning statement was closed and the Final bill for $was issued on January 31, When the December 20, payment of $was received, an overall balance remained of $On December 21, 2014, the new vehicle was added, which increased the balance by $227.52, making the overall balance $The December payment paid for premium owed from December 12, to January 12, On January 28, the $authority fee was waived and the cancellation processed, providing a credit of $that was applied to the balanceThis reduced the amount owed to $We waived an installment and late fee in the amount of $16.00, leaving an overall balance of $Due to the error for providing a higher discount than *** *** qualified for, and then lowering that discount; we are honoring the original discounted premiumThis has reduced the amount owed to $*** *** requested to cancel her property policy (*** ***) and we processed her request effective the inception date, September 12, On November 10, 2014, a refund of $was issued for the cancellation of the property policyThat refund was cashed on December 2, Again, we apologize for any confusion this may have causedIf we may offer further assistance, please contact our Customer Advocacy Coordinator, *** *** direct at: ###-###-#### or by email at ***
Sincerely,*** *** *** *** *** * ***Nationwide###-###-####[email protected]