Nationwide

Dear *** ***
After receiving your letter about my case ID #####, I would like to keepmy case open, because I am satisfied with the way my situation was handled myNationwideThe problem still exits, and they have failed in several ways to providethe service that I was told they were going to provideThey placed my family and Iin a hotel knowing that they could not fix my house, which to me was bad service.After several months, they called me and told me that I was not eligible to receivebenefits of them fixing my house, If they would have told me earlier I would havefound another way of fixing the problemI have tried on several occasions to reachout to my adjustor, *** ***, but still no responds to my problemI still needassistance on this unresolved problem, because of their failure to respond to me,and answer my questions to which I felt like I had to right to a paying customer, andthe lack of professionalism of their employees*** ***

We have reviewed the inquiry from *** ***His correspondence was regarding excluding his son, *** ***, from the auto policyThe policy covering *** and ***’s vehicles was written as new business with our Company on March 4, His concerns are addressed below:
After
receiving a quote from Allied in March, I checked to make sure drivers could be added or removedI was repeatedly promised and assured that this would not be an issue.The conversation between the Company agent and *** *** has been reviewedThe insured did inquire about excluding his son on the Ford Mustang and only rating him on the Crown VictoriaThe agent advised that we are unable to exclude drivers from specific vehiclesNothing was discussed regarding adding/deleting driversOn May 1, 2015, I attempted to remove a driver from the policy via the Company’s website but that capability is apparently unavailableDrivers can be added and removed from our policy if they are no longer members of the householdOur Service Center Representatives are available by phone to assist the insured with these requestsI called Nationwide and was told I can not subtract drivers*** *** contacted our Company Service Center on May 1, 2015, to remove *** as a driver on the policyThe Company Representative asked if *** was still a household member and had a valid licenseThe insured confirmed that he was still a household member and had a valid license but was not allowed to drive due to his gradesHe also advised that he was told that he could exclude his sonThe Service Representative then sent the exclusion form to the insured to sign and return to usThe Service Representative then obtained information from the underwriter indicating that the driver was not eligible to be excluded on this policyThe underwriter is the third party arbitrator that the insured referenced in his inquiryOur Company is not able to exclude household members unless their license is suspended or revokedBecause *** has a valid license, he is not eligible to be excluded under the auto policyWe apologize for the error made by the Allied Insurance, *** *** *** *** *** *** *** *** Company Service Representative in sending out the form to be signed and will follow up with the associate on the additional training regarding this topicThank you for the opportunity to explain the policy for *** ***Please contact me if there are further questionsSincerely,
*** *** *** *** ***Allied Insurance, a member of Nationwide Insurance###-###-####***

I was made aware of this claim file yesterdayI have communicated with both Mrand Mrs*** regarding the settlement amountThey understand the total loss process and the settlement amount presentedThey are not in agreement
with the amount at this time and we are working towards resolutionWe hope to have this verbally settled today
In addition, we have sent the required documentation to them for signaturesThey understand it will need to be mailed back to Nationwide Insurance with the title
We hope we can release settlement monies today, on good faith that the owners will mail the required paperwork to our office today
Typically we must wait until the paperwork is received and is correct prior to 100% release of settlement moneyHowever, given some time delay issues we have made an exception
Sincerely, Sean C***
*** ***

This response to the above referenced file should serve to respond to the concerns raised by our policyholder, *** ***, as well as the ***a Bureau of InsuranceThe chronology of events involves
separate claims (*** & ***) filed and exposures identified under Mrs*** auto policy (Comprehensive-Other than Collision, Roadside Assistance and Trip Interruption)The vehicle involved in the loss is a Dodge Ram and the date of the loss is listed as 4/16/There are towing invoices for this same loss submitted for 4/27/as wellThe facts surrounding this disablement are as followsThe policyholder vehicle was overheating while traveling along highway I-The policyholder contacted Nationwide Insurance for Roadside Assistance and was transferred to our transportation partner, Agero, for handlingNationwide does not have access to the phone recordings as requested by the Bureau of Insurance and Mrs***The supervisor with Agero who handled the escalation on the date of loss as requested by Mrs*** reviewed the calls made to Agero and have sent their timeline for this event, attached as an enclosure pdfMrs*** states that she was told a police officer was to be contacted and remain stationed on the scene for the duration of her disablementUpon review of the file handling, Agero and agent contacts it has been determined that contacting law enforcement was a suggestion by Agero as the policyholder expressed concerns over being disabled on a highway with elderly passengersThe option was extended to the Mrs*** out of safety concerns that she raisedIt would not be considered a practice to mandate police presence on a roadside assistance lossIt should be noted that Mrs*** was ultimately the person who contacted and requested police involvementThe timeline and location of tow vendors is based on Agero attempt at locating the nearest service provider, which can be a towing partner of Agero or independent service providerAt the request of Mrs*** a Quad cab towing truck was requested with the capability to move herself and all passengers in her vehicle along with the towDue to the accessibility and location of the disablement a vendor search began in earnestAgero did locate a vendor with the appropriate vehicle available and notified the policyholder which canceled her service request at that timeMrs*** canceled this service as she was upset with the estimated time of arrival provided by the vendor locatedThe resolution requested by the Mrs*** will be addressed in separate responsesTowing Costs: Mrs*** submitted a towing & mechanics invoice on the Dodge totaling $Only $of that amount was directly related to towing/roadside assistanceThe amount for $was reviewed and payment issued to Mrs*** under claim *** That payment has been cleared/cashed at this timeTrip Interruption: Under claim *** the handling adjuster advised Mrs*** that reasonable commercial transportation costs can be reimbursed when you are further than miles from your primary residence or destinationThis is covered under her roadside assistance endorsementIn order to process her claim for $the adjuster asked for provider information and or an invoice be faxed/emailed/mailed/taken to the policyholders agent for reviewMrs*** has not complied with this requestPayment for Sold Vehicle: Mrs*** presented the following facts of loss, she was traveling on a highway and noticed her vehicle overheating, she continued operating the vehicle out of concern that if she stopped vehicle it would not start back upThe vehicles engine eventually shut off due to overheating and Mrs*** pulled off the highwayDuring her request for roadside assistance she restarted and attempted to move the vehicle further down the highway, the vehicle overheated and shut off againAt no time was Mrs*** advised by Nationwide or Agero to attempt to move or operate the vehicle any furtherMrs*** presented a claim under her comprehensive/other than collision coverage for the damage to her engine from overheatingThat portion of claim *** was respectfully denied as her policy contains the following exclusion: Part A-Coverage for Damage to your auto: Exclusions: We will not pay for damage due and confined to: aWear and Tear; cMechanical or Electrical breakdown or failureAt this time Nationwide views the of the incidents above as investigated, reviewed and closed in good faithThe 3rd exposure for the trip interruption can be addressed upon the receipt of documentation supporting the commercial transportation utilized by the policyholderIf you require further assistance, please contact our *** *** ***r, Tim S***, at ###-###-#### or by email at ***
Sincerely,Tim D S***

(1) A response from nationwideWe spoke with the insured and she agreed to allow us to send out a vendorto evaluate the couch for repair/replacement.(2) A check for the cost to replace the couches and dispose of the oldcouchesOnce the evaluation is complete we will
review for repair or replacement.(3) The $1,deductible refunded/subrogation process initiatedSubrogation was referred and is working with the liable carrier to pursuesubrogation. If subrogation is successful the subrogation department willhandle reimbursement.(4) Check for the depreciation withheldThe depreciation check was issued prior to this complaint

My bill has changed every month Ive had nationwide.there is no notice or information given as to why, ive called numerous times and always gotten a different reasonWhen the operators are pressed about the answer they just disconnect the call; for example my bill is dollars higher this month, I asked why after months my bill is still changing I was told they just ran my BMV reportI said I didnt recieve my fair credit report notice as required by lawDisconnectedNationwide had a good rep but im finding that to be falseBe careful to those who buy and dont set up direct debit!

*** *** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** ***
***
** ** ***
*** *** *** ***
*** ***
I am in receipt of your April 15, 2014, letter addressed to *** ***.
As requested, I am providing a detailed explanation of the insurance transaction.
On January 12, 2014, *** *** contacted Nationwide Insurance and initiated automobile, property and flood quotes The property policy was initiated on February 14, 2014.
*** *** had a prior property policy with Nationwide, ########With the inception of the new property policy, the member requested to cancel the prior property policy. When the request was submitted to cancel the prior policy, the new policy number was listed in error, resulting in both the old and new property policies being cancelled.
Once the error was found, the new policy was reversed, issued and released. The property policy is currently active with an effective date of February 14, as initially requested.
We sincerely apologize for the inconvenience that this has caused *** ***, and look forward to servicing all of his insurance needs in the future.
If any additional information is needed, please do not hesitate to contact me.
Sincerely,
*** *** *** *** *** *** *** *** ***###-###-####Fax# - ###-###-####***

*** *** should be in receipt of both my complaints to the State of *** Department of Insurance and Financial Services, and complaints to the Attorney General In both complaints, I did include many full color, before and after photographs of my property I did also include an inspection report (also with full color pictures) of the complete exterior of my home taken on January 25, by the Rapid Survey Group on behalf of Nationwide Insurance On January 25, the pictures determine a well maintained home (as I have been stating) that Nationwide agreed to insure for $200,structure, and $140,contents This amount, after inspection, was increased from the amount of $154,for structure and $108,contents There is, in this inspection report, a full color photograph of the exterior wall prior to sustained damage on August 11, On October 8, 2014, I did receive another denial of claim from *** *** In the report attached to this denial, such things as property maintenance and age of structure are made an issue There was no issue with my property maintenance or age on January 25, 2011, or in the appraisal pictures taken of my property on June 30,
Also brought to issue in *** *** and *** ***'s report is that there should be scarring to this exterior brick wall There is multiple scarring of the brick on this wall which is clearly evident in the close up pictures I took I would like to direct *** ***'s attention to of of *** ***'s report pictures You can see in the picture taken by Adjuster *** on August 14, the actual green of the tree branch below the north east rear window of the house (top picture on page) The bottom picture does not zoom close enough to see that nearly every brick is scarred by the impact of this branch *** *** mentions in his written report (page of 8) that "a small tree branch will typically leave a trail of fibers on the brick and joints" My pictures show just such a trail of fibers *** *** states the foot branch was light enough to lift out the way I saw two people lift the branch to swivel it out the way...not lift
Furthermore, The impact to the house was great enough to knock the AT&T box, installed in August when I switched service, right off the house *** *** did not take a picture of this box that the AT&T technician left atop the air-conditioning condenser so that I could show and explain to insurance adjusters just how hard the house was impacted I do have a picture of it I did notify *** *** that at the beginning of the excavation, it was found that the low voltage conduit (located to the right of the basement window on page of of *** ***'s report) was also knocked from it's underground piping It was further explained to *** *** and *** *** that a portion of the tree branch (pictured on page of 16) was split away from what was left, and had been discarded before I knew the remainder was lodged into the house
*** *** repeatedly makes reference that I "altered evidence" I did repeatedly explain what had been remedied due to policy wording that states the homeowner's responsibility in securing the structure I spent thousands of dollars attempting to prevent further damage to my home and contents Three contractors, and many observers of my situation (some of them, engineers) all came to a conclusion opposite of *** ***'s Those conclusions were all identical That water entered through the crack in the exterior wall, saturated the interior from the first floor window to the electric panel below, saturated the cinder block (interior of foundation wall), and that this saturation caused the bow in the rear basement wall.
*** ***'s report (page of 8) that the bow in the "block walls likely existed prior to the placement of the glaze tiles" is ridiculous My father was a chemical engineer, and builder His one brother was a builder who taught drafting at *** *** *** ***l until age His other brother was an international authority of Baroque Art and the designer for *** *** and the *** *** He did not have a house built with bowed walls But, all that aside, now that the interior mortar joints have been removed, and the foundation excavated, that cinder block between the glazed tile and exterior parging finish to the cinder block has caused the saturated cinder block to dry out, and the wall has corrected itself Three different contractors told me this would happen, and it happened
The bow is gone due to over $10,in materials and labor When *** *** and *** *** visited the property, the entire area surrounding this glazed brick (structural stone) was tarped off with heavy plastic All of the mortar joints had been ground out, and the area was still in process of drying out I "altered evidence" to prevent further damage to my home For one summer month where there was no hot water in this house, and no mechanics (air-conditioning, laundry), this saturated back wall became worse each day *** *** refers to pictures taken by Adjuster *** on August The damage of water saturating through mortar joints had just begun The water from the above foundation crack was in the wall, and spreading down and through the mortar joints each day.
*** *** notes on page of of his written report that the house is "comprised of load bearing wood frame walls" The area he observed was tarped Heavy plastic was stapled to the walls and ceiling to prevent dust from entering the rest of the house What could not be seen because of these tarps was the steel beam construction otherwise visable in the ceiling of this area What also was not visible is the buckled floor board above which is below the damaged window on the first floor I did do my best to point out the location of these items when *** *** activated his laser level without warning, saying "oops" He did shine it into my left eye I have several handicaps, and would have wanted to get out of the area completely *** *** seems to be under the impression that I can walk through heavy gage plastic which was both stapled and taped into place *** *** did block the only entry and exit to this area while the laser level was being directed every which way by *** ***
After exiting the tarped area, I did direct *** ***'s attention to the buckled portion of the tongue and groove ceiling installed in 2013, and the drywall which was ready for priming *** *** notes in his report that the ceiling was primed, and misunderstood the discoloration to be some kind of water damage It was sheet rock work, *** ***...not water spots It is true that this buckling and cracking were not present at the original inspection *** *** points out in his report something about the whole house needing to shift for this cracking to occur Again, contractors, and other observers of this buckling and cracking got it The moisture of this rear wall caused this basement to be nearly degrees on some very hot summer days following the storm event I explained to *** *** and *** *** that I was pouring out pints an hour from the humidifier on the first floor alone while the basement humidifier (which burnt out) was piped directly into the floor drain These humidifiers were needed to run continuously for a month following the storm event The buckled and cracked ceiling, the bowed wall leading into the basement, were all caused, and then further exacerbated as this tremendous humidity persisted *** *** refused to photograph the buckled portion of tongue and groove cedar ceiling My photographs demonstrate a slight buckling after a week, and then a more significant buckling after a month of steady humidity
*** *** states in his written denial letter that he did not see the mold that broke out on the section of wall above the glazed brick I have clear pictures of the mold which broke out the day after hydraulic cement was applied to the wall It broke out on fresh cement because the humidity was so high At his September inspection, the mold is covered in dust, but very visible in *** ***'s pictures (bottom picture page of 15) The discoloration at the bottom of the gray section is mold, *** ***, and it broke out all along the bottom portion of the newly applied hydraulic cement used to dry the wall It is also above grade of the house foundation so it did not come from a sewer I did point it out to you
*** *** writes in his report that I was "trapped in my house for hours" (page of written report) It was hours, and it was because I could not walk through the water in the center of my yard to get to my garage There was no water up to the house The side alleyway, which is my paved driving access to the garage, was also "flooded"
On page of of *** ***'s written report he talks about "age and deterioration of the house" in connection with the missing mortar of the exterior wall Again, pictures taken on January 25, 2011; pictures taken on June 30, show no such "age and deterioration" I have all my caulking and mortar inspected every year However, I did further point out to *** *** and *** ***, that the furnace installer inspects my mechanics twice yearly That on June 20, 2014, that the entire compressor unit and cabling (inside and out) were inspected thoroughly After the tree limb impacted my house, the mortar was missing from the area where the condenser cabling enters the house This condenser was installed in Why would four year old mortar just fall out the wall in line with other mortar that just fell out the wall? "Age and deterioration"?!
On pages of and of of *** ***'s written report he talks about the soil at the back of the house I did explain and show receipt for over a thousand dollars that I had a licensed landscaping company remove the landscaping from the rear of the house on September I did state that among other things, new landscaping and a thirty year old Japanese Maple (visible on page of top very center of photo) were removed to prepare for excavation That brush was shredded and left at the corner of this planting strip to be placed later into my composter That a small trench was dug along back of house to see if there were any further clues as to why this damage had happened *** *** goes on at some length on pages and of about this supposed "grading", and how it could cause future damage Calling a demolition site a potential for "long term lateral soil damage" *** *** and *** *** seemed unable to understand very little of what I explained to them even though I had pictures which clearly showed the steps of each process The landscape had been demolished A pile of soil was left to be added to a composter in a different section of the property.
*** *** notes ""A horizontal crack was observed in the masonry foundation wall above the glazed tile veneer" (page of written report) There were absolutely no horizontal cracks in this area All of the cracks above the glazed brick (*** *** should know this is called structural stone and it is used in the building of large structures like schools, apartment buildings, and hospitals), are vertical The cracks to the mortar joints were horizontal which demonstrates a descending pattern of water flow.
I have logged thousands of phone minutes, hundreds of internet minutes, hundreds of dollars copying reports with pictures, and no-one I have spoken to from Nationwide understands anything However, every contractor, every regulatory agency, everyone else who has viewed this property comes to the conclusions I have stated here without any prompting from me Nationwide has failed to provide me with an adjuster capable of seeing what happened to my home they sent a "structural engineer" to the house that had the continence of a child, and who does not know the words for any building materials or procedures Neither of these men could grasp the concept that water entered through a crack of a well maintained home, and saturated the foundation
*** *** has repeatedly cited policy wording that excludes my claim while ignoring policy wording that might have granted my claim, and helped my situation be less desperate
Again, I will repeat, I showed you a picture on my cell phone taken the day when Adjuster *** inspected This picture shows me lifting the entire window well (stone sill and connected structural stone) with a putty knife this was done to show Adjuster *** that the window well had collapsed, was pushed back into place, but was completely detached If I had allowed it to remain rested against the laundry basin piping, it would have fallen causing damage to both the sill material, structural stone attached, and the slate floor below It may also have caused damage to my new copper plumbing installed throughout the house by a licensed plumber less that ten years ago My policy coverage covers HO3, Section Collapse...a.) with respect to additional coverage 1.) Collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its current intended purposes I could not occupy or utilize my laundry area with hundreds of pounds of unsecured stone overhead It had to be temporarily secured prior to your inspection, and was not permanently installed until after your inspection
I was directed by Nationwide that I might have decay hidden from view when I reported this window well collapsing. So I had three foundation specialists out to the house They all recommended excavation Nationwide also directed me to excavate, and you did, in fact, *** ***, want to co-ordinate with this inspection on a date when the excavation team came here I did beg you to come before hand as these repairs have become extremely costly, and a structural engineer should have understood the dynamic involved
I did also lose an underground pipe for my low voltage wiring to garage, at the time of this collapse and have coverage under the same HO3, Section 8 c.) Loss to an awning, fence, patio, deck, pavement, swimming pool, UNDERGROUND PIPE
Under HOBCoverage C - Personal Property We insure for direct physical loss to the property described in Coverage C caused by any of the following perils unless the loss is excluded in SECTION I - EXCLUSIONSWindstorm or Hail This peril does not include loss to the property contained in the building caused by rain, snow, sleet, sand or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain, snow, sleet or dust enters through this opening This peril includes loss to watercraft and their trailers, furnishings, equipment, and outboard engines or motors, only while inside a fully enclosed building
*** ***, while calling my property damage an effect of "age and deterioration" you are not only calling your own Rapid Survey Group a liar, you are calling me a liar You have not acted fairly with me for two months now You, and *** *** did both talk about how long it would take him to drive home to Owosso, develop his pictures, and send them to you to make your report You told me you would not have those pictures for at least ten days I have reported this incident as it has uncovered itself with as much calm as a person in great shock and under great duress can handle You have ignored the points I have brought forward You have ignored my photographs, my explanations, my inquiries, my information, and every detail of what has happened to my home Nationwide has acted in bad faith with me by sending representatives to my home who are incapable of assessing the true situation
My entire point about you and your leather binder is that you made no effort to discuss my policy Did further tell me you would not know about my policy until pictures became available If you did discuss only the Sewer BaRider, then why didn't you just do that over the phone Why did you come to my home, take pictures, shine a laser level into my eye, parade about my property like you had never seen a house before, look about the neighborhood to try to determine "what type of tree branch is this?", and provide me with a mock up report that falls short of demonstrating a knowledge of engineering? You have refused me coverage based on refusing me coverage I do not accept what you have done to me, and will continue my efforts to be heard Five agencies have received my photographs They were shown to you and *** ***, and ignored
The August storm was not just a rain event There were tremendous winds and hail I have coverage for what happened here You have denied me my rights as a policy holderYou have denied me my rights to Subrogation for those parts of my claim that had to do with damage to the walkways in my yard from the neighbor re-grading, and flooding my yard For the alley water build up that wind blew through the side door of my home You keep claiming that Sewer Bais the only coverage available to me under the terms of my policy, and fail completely at showing me, or anyone else, where that is stated.
I did contact the Revdex.com of Central Ohio to get a response from the headquarters for Nationwide Instead, I have gotten the same simple response from you when you are based in Michigan I want a response to this entire inquiry from the Nationwide Headquarters My complaints against you and your treatment have been filed in *** where you are located
Regards,
*** ***

In Oct I requested information regarding an ad I saw in website regarding an Global forum in NY
I purchased a ticket for the event and I paid $on my AMEX card On March ** ** they send an email stating that the date of the event will be changed and if we couldn't attend that day they will process a refundAfter that I had reached out to them multiple times via email and phone and they say the money will be refunded but nothing has been refunded till date
please help

This letter is in response to the inquiry received from your office on December 14, We have spoken to the customer extensively and addressed his
concerns. We have delivered feedback to the appropriate associates and to the repair facility management. The customer has been placed in a rental vehicle for the duration of the repairs at the expense of the repair facility. Additionally, the repair facility has acknowledged the service concerns the customer had, and has offered him a discount on the repairsAt this time, the customer has indicated his current concerns are resolved and is satisfied with being offered a discount and rental vehicle. His vehicle should be delivered back to him on or before December 19, and he will contact us with any additional concerns he hasIf you require further assistance in this matter, please contact our Customer Advocacy Coordinator, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***@nationwide.com

I am in receipt of the emailed complaint from *** ***, dated February 20,
On February 16, 2014, *** *** bound policy *** *** via the Internet effective February 28, 2014. When the policy was bound, a down payment of $was made by Mrs***. While making
the payment, the system displayed our Automated Clearing House Debit Entry statement, which advised Mrs*** that Nationwide would debit a singe transaction from her bank account on or after February 16, 2014. A copy of the receipt has been included for your review
On February 16, 2014, Mrs*** called the service center in order to confirm that she and her husband were listed on the policy as only her name appeared on the ID Card. The service representative confirmed that Mrs*** was listed as the Named Insured and both she and her husband were listed as drivers. Since both names were not listed on the ID card, Mrs*** requested to cancel the policy. The service representative emailed a cancellation request form to Mrs***
In the state of Virginia, we are not required to list all rated drivers on ID Cards, therefore, only the name of the first Named Insured shows on ID Cards. In the case of this policy, since Mrs*** was listed as the first Named Insured, her name was the only name to show on the ID card, however, Nationwide considers married couples to be one entity, therefore, both Mrsand Mr*** were considered to be Named Insureds.
When a new policy is bound it takes to business hours for the policy to process in the system. While we received Mrs***'s signed cancellation form on February 16, 2014, we were unable to process the cancellation until February 19, as the policy did not show in the system until February 19, 2014. The cancellation was processed effective February 28, 2014, which voided the policy and produced a full refund of $76.05, which will be mailed to the address on file and should be received by Mrs*** within to business days
Please feel free to contact me, at ###-###-####, ext8325523, if you should have any further questions

*** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** ***
***
This is *** *** responding back.
I am sending pictures of inside of storage build to show why truses were needOnce roofs removed there will be nothing to reattach new roof to
The metal beams are attached to the metal as well as the roof frameThat's why the materal was need in ***s estimate.
I am waiting for two companys that will be working together to give their bid.
Now one claim I have not heard nothing back since I submitted estiment.
*** ***
Note: pictures are attached, *** wanted photoes for claim

Dear *** ***
Thank
you for the opportunity to respond to *** ***’s concerns. I have reviewed the concerns and the accident
involved in this complaint along with the Nationwide ClaimPlease accept this
letter as a summary of our actions taken and resolution of the concern.
This
concern stems from a personal auto accident on December 6, 2014, involving our
insured, *** *** The claim was
reported to us on December 19. On
December 24, 2014, we completed our initial contact with our insured and *** *** and obtain the facts of loss. Both
parties were guided to park in a special parking lot for cruise
passengers. Upon returning from cruise
*** *** noticed damage to his vehicle which was allegedly cause by our
insured vehicle.
We
have completed our investigation and determine that our insured did not cause
damage to *** ***’s vehicle, and there was no damage to our insured
vehicle. We completed an appraisal only
for *** *** vehicle which verified that there was no paint transfer from our
insured vehicle, and only a dent was noticed.
We
communicated verbally and in writing to *** ***, that we will not be
accepting liability for his damages as there was no damage to our insured
vehicle and no evidence to support we caused the damages to his vehicleWe
have also spoken with his daughter and explained our final liability decision
and that will not be taking care of his damages, advising of the option to file
a claim with their insurance carrier.
On
January 23, 2014, we spoke with *** ***’s insurance carrier *** and
explained our liability decisions and claim status at that timeThey also
agreed with our liability decision after reviewing the photos of *** ***’s
vehicle.
We
hope we have answered the consumer’s questions or concerns that were brought
forward with this concern and if there is any additional information needed or
clarification on any concerns, please let me know
Sincerely,
*** ***
*** ***
Nationwide
Property & Casualty Insurance Company
###-###-####
***

I am writing to inform consumers of a situation that took place between myself and Nationwide insurance companyOn February 2nd, I was looking around online for car insurance quotes I came across the Nationwide insurance free online quote site and typed my information in I was able to customize a policy and given the option to buy onlineI thought this was great! It was easy, and cheaper then what I was currently paying I proceeded to complete the online forms and entered my payment informationI received my temporary insurance cards immediately via e-mail, and a copy of my declarations After checking my bank account, I could see that the $payment was pendingI was somewhat unsure about completing this whole process onlinePrior to canceling my existing policy, I called Nationwide (the next day) to verify that everything was okayThe woman I spoke to said it looked okay and that everything had been processing That day, I called and canceled my existing policyFast forward to today (2/17/15), I received items in the mail from NationwideThe first was a large packet that consisted of a hard copy of my declarations The second item from them was a letter dated February 6thThis item stated that my payment was received, and that the next payment would be taken out automatically on March 2nd The third item, which was prepared on February 9th, stated that my payment was rescinded and my policy was cancelled effected February 2ndAs you an imagine, I was very confusedI called Nationwide and spoke to an agentI quickly learned that Nationwide is NOT on your side!
Apparently, there was an error with the payment and it did not go through The woman on the phone informed me that because the payment did not process, they cancelled the policy I had been driving around for days without insurance and didn't know it THIS IS UNACCEPTABLE! I was, and still am furious! When I asked why no one had called or emailed me to tell me that there was a problemI was told it was because " I didn't have a local agent." They stated " to keep fees low, they don't have the staff to call their customers." When I asked if I could make the payment and keep this policy I was told NO They said that because this policy had now "lapsed," I would now have to have the policy re-written I would now have to go with their "Titan" policy, which is more per month No way!
Not only did they not inform me of an issue, they let me drive around uninsured for days What if I would have hit someone? What if someone would have hit me? It makes me absolutely sick to my stomach to think about what could have happened over a measly $billing mistakeIf they would have contacted me sooner and told me there was a problem I would have gladly given them my payment information It is unacceptable to make customers wait, especially in today's tech world, for a letter in the mail days after the fact Something needs to be done about this Aside from poor customer service, they are putting individuals at risk by not telling them as soon as possible I could have lost everything if an incident had occurred I felt like I was punished because I didn't go through an actual agentHad I known this outcome was a possibility,I most certainly would have spoken to someone They need to do away with online sales for the sake of their customers--they can't handle it

*** *** ***
*** ***
*** *** *** ** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ** ***
*** ***
***
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 have reviewed the complaint and coverage for this loss was properly applied, per the policyThecoverage limit was $5,$5,was paid under the water-backup endorsement and thedeductible was absorbed into the gross damagesThe member signed a contract with ***
*** that stated, “I authorize *** *** todo emergency or temporary repairs to protect the structure and contents as they deem necessary toprevent further damage from occurringA check was issued on 4/12/to include both *** and Mrand Mrs*** for $This check was voided and reissued on 5/26/to*** *** onlyPer the work authorization payment for the services may be paid directly to*** ***.” Therefore, the payment was issued directly to the vendor for the mitigationportion of the claim.Nationwide has resolved the outstanding invoice with *** *** with checks issued on6/14/for $and $No further monies are owed to the vendor and the member will beprovided with a release of the lien*** *** has had a good relationship with Nationwide over the yearsWe will continue towork with all of our vendors to ensure that we are delivering the best possible customer service.If you have any additional questions please contact Customer Relations Coordinator Angela S*at ###-###-#### or ***
Sincerely,George A***

***
This is the first time we have seen a communication dated before our cancellation date of February 12th. Nationwide can fabricate all the invoices they want and keep backdating them, and misrepresenting the facts and the truth, the fact remains that they raised our rate after we cancelled, so they would not refund us. How is it that its the first time Revdex.com sees this Feb 6, invoice? because we asked for it? right?. We did not misrepresent anything whatsoever. The agent knew that we were going to close on the house in ** on November 7, and we lived in ** at the time, and the proof was that they had our address in ** and our phone number. We moved in to our house in ** in January 2014, only less than two months later, after the city inspection has allowed us to do so. Our story will never change, because its the truth, but their invoices and dates keeps changing? We did not tell them we were able to move in immediately, as a matter of fact, *** our agent was told that we were repairing the house and we would move in when its ready, and it would become our primary house once the repair was doneLet's assume they have sent us this newly created invoice before, then they should have investigated and would have found out that we were living in our insured house by January 2014 and there was no need for their penalty to continue?? How do they explain the extra invoices after January 2014, they still owe us a balance after January?
We appreciate Revdex.com investigation and if not resolved at this stage, we have no choice to take this case to the consumer affair office, and the truth will come out then. As a big insurance company they are making a big mistake creating new invoices and communications to prove their points, these invoices did not exist and we have never seen them before. I have been asking for these for the last three months, you can look at your copies, and my letters. Again, its not the amount of the money, its a matter of principle, we were accused with their slanderous remarks, and we will eventually find out who is misrepresenting facts. On top of all these they have sent the $invoice to collection agency to legitimize their actions and harras us; Nationwide is very wrong treating consumers this way! Our credit report is clean, Nationwide will not be able to change that
Sincerely,
***

This letter is in response to the inquiry received from your office on April 4, This claim is for damage to Mr***s rental property due to bats in the atticMr***a has beenunwilling to allow us to inspect the damage and prepare an estimate of repairsSince receipt of this complaint, we have been in communication with Mr***s agent, per his request.Through his agent, we have been advised that Mr***a is will meet with our independent adjuster onApril 20, or on April 18, We requested that our independent adjuster contact Mr***a toschedule the inspection on one of these dates and that the independent adjuster coordinate the date andtime of the inspection with Mr***’s bat expertOnce the inspection is complete, we will be able to move forward with the resolution of this claim.If you require further assistance in this matter, please contact our Customer Relations Coordinator, ErikkaK*** at ###-###-#### or by email at ***
Sincerely,Teresa * M***

This letter is in response to your correspondence dated March 16, 2015. As a means of addressing each of Ms*** issues, we will be addressing each bullet separately.
No credits have been made and Jan 2015, I was told by Nationwide *** *** a credit would be appliedThe credit has not been applied as of yet. There was a credit of $applied to the policy balance per a Servicing Supervisor. This credit of $was applied to the policy balance of the Auto in order to lower the monthly premium to $160.43. Ms*** was emailed a monthly figure from a Service Representative who had offered to apply the SmartRide discount and was quoted $We have corrected the years of driving experience to reflect years; however, this change has no impact on the premium being charged to Ms***As there was/is no additional credit, none was/or will be reflected on the updated declaration page.
Change of agent - As Ms*** has made it known several times that she is unhappy with the *** agency and that she wished to change agents, the Sales Manager felt it was prudent to move Ms*** to our Nationwide Sales Solutions (NSS) Department for servicing of her policies until such time that she makes a decision as to which agency she would like to be transferred. The NSS area is available 24/at ###-###-####.
Per your request, a copy of the Auto policy is attached.
Thank you for the opportunity to address our customer’s concernsAs explained before, company representatives have addressed Ms*** concerns multiple times. We understand that you or Ms*** may not be satisfied with the information provided in our prior responses. Nonetheless, the company has directly and accurately responded to each inquiry and therefore considers this matter closedSincerely,
*** ***
*** * *** *** ***
###-###-####

The agent *** did NOT do his part in helping me acquire 'Nationwide branded' homeowner's insurance on my property back in November of He gave me names of brokers and I made EACH callthey told me SPECIFICALLY they needed to speak DIRECTLY with the agentHe would NOT return ANY calls that I made NOR emails after our initial contact in NovemberI find him to be HIGHLY UNPROFESSIONALHe gave me a a quote that he DID NOT STAND by and since EACH phone number he gave me to call either would NOT insure my property and some wanted to speak DIRECTLY with ***I stand behind my initial complaint of what he quoted me and that is NOT 380.50, IT IS and NATIONWIDE misrepresented this and NEVER disclose their blatant lies and unprofessionalismHence, I left the company and I will make sure to let EVERYONE I know via social media and other sites to NOT do business with Nationwide insurance as they do NOT stand by their quotes, they are UNPROFESSIONAL and the Brent Johnson agency NEVER stays open the full business hoursthey were ALWAYS closed by 4:each day which was NOT what NATIONWIDE stated in their earlier response to the Revdex.comPoor customer service, Lack of ethnics and COMPLETELY UNPROFESSIONALSincerely, *** *** ***
Regards,
*** ***