Nationwide

For the statement that I made a claim under a dwelling and it was denied is A LIEThe conversation was recorded so it is VERY clear that *** *** asked me why was I unsure as to the location of my camera equpmentand I told him it was because I movedHe said "oh then you have to call back in and make a different report because this is under the wrong policy which doesn't cover the theft anyway"I was ADVISED to call back in. it doesn't make sense what he is saying that I was notified it was not covered so I "changed" my storyMy "story" NEVER changedNationwide is covering up their mess up and they are in the wrong!!!! *** *** even ADMITTED to the attorney that he DID in fact tell me thatthe original claims intake person put it under the wrong policy in the first placeIt doesn' even make senseIn the endthe facts are obviousHow could the theft be at my *** *** *** residence if theres proof I didn't move in until August but consistently the reports prove the theft occured in Julyit is IMPOSSIBLE for a theft to occur in the *** *** *** *** (that did not have coverage) if I wasn't living there! They need to think about the sequence of eventsTHey are trying to hang on my words that I DID NOT KNOW what exact time and WHO it happened fromIn the endi had a theftIt clearly shows in JulyI have and had PROOF that I didn't live in the *** *** *** *** residence for the theft to occurrregardless of the statement. Nationwide is PREYING on a victim!!!
Regards,
*** ***

All I wanted was for my car to be fixed and returned back to meI have also filed a complaint against Chase Bank as wellAlot of details was kept from me by both Nationwide and Chase Bank in regards to me carI have done nothing wrong and was the victim but instead I am being treated like a criminalThank you Revdex.com for providing me with more information then Nationwide gave me

This letter is in response to the concerns filed by *** *** regarding the collection amount owed on his Nationwide Auto policy after cancellationOn October 8, 2015, the previous Nationwide Auto policy *** was cancelled as a transfer, and was replaced by the Auto policy
***This occurred because the former policy was written under Nationwide Mutual Insurance Company, which was discontinued in the state of IllinoisAll policies written under Nationwide Mutual were being transferred over at their renewal to Nationwide Insurance Company of AmericaOn September 30, 2015, the new policy renewal declaration was mailed to Mr***, informing of the change in his premium at the October 8, renewal (attached)On October 21, 2015, Mr*** contacted the Service Center to request cancellation of the policyA cancellation request form was mailed per Mr***’s request.On November 6, 2015, as neither a payment or the cancellation request form was received from Mr***, a Notice of Cancellation was mailed (attached)This notice stated that payment must be received by November 18, to maintain the policyOn November 19, 2015, the policy was cancelled for non paymentOn November 24, 2015, a final bill was issued in the amount of $107.30, which was due by December 13, (attached)As that final bill went unpaid, on January 12, 2016, that amount was sent to the collections company CCSOn February 5, 2016, Nationwide received proof of other coverage for Mr*** which began on October 22, (attached)The cancellation date was adjusted to October 22, 2015, resulting in a credit of $to be applied to the remaining balanceThere is still a remaining balance of $for the coverage between October 8, and the cancellation date of October 22, As coverage was provided by Nationwide for this period, the premium for that time is still dueIf anything additional is needed, please contact Sharon W*** at ***@nationwide.com or via phone at ###-###-####Sincerely,

We are in receipt of your request for information dated August 11, regarding the above referenced file.Based on the information provided, it appears Ms*** is disputing the reimbursement amount she receivedunder claim *** ***
Our records show Ms*** had the Superior
Plan for AustinPlease remember the Superior Plan worksexclusively with a benefit scheduleAll claims are processed in accordance with the terms of the policy contract,the diagnosis on the claim form, and medical records if submitted.On July 4, we received a claim for the treatment dates of July 2, to July 4, The claim formdocumented four diagnoses:VomitingCholangitisChronic partial extrahepatic bile duct obstructionChronic kidney disease
The claim was coded and processed based on the information providedThe Explanation of Benefits mailed toMs*** also included an information code explaining to submit medical records for possible additional benefitreviewAs stated in section "Review" of the policy, the policyholder may request a review of any claim:"You may request a review: (1) if we deny your claim in whole or in part, or (2) to ask that we remove anexcluded condition listed on the Declarations Page or Renewal Certificate of your policyYour requestmust be in writingYou must provide us with all medical records and any other supporting documentationupon our reasonable requestWe will not review requests to remove any excluded condition unless thecondition has been cured for at least six (6) months before the date of your requestAll review decisionsare final."
On July 27,we received a call from a representative of Massachusetts Veterinary Referral Hospital to seewhat additional information was neededWe explained medical records were necessary in order for us to reviewthe claim for additional benefitsRecords were received on July 27,and the review completed August 14, The review determinedadditional benefits were eligible under claim 2***in the amount of $During the time the review was in process we received three additional claimsThose claims were also processedalong with the review and Explanation of Benefits and reimbursement checks will be mailed under separate cover.Ms*** stated in her complaint that she wants to be reimbursed for the $2,minus the $deductiblefor claim ***We feel we must refer Ms*** to section "Benefit Provisions - Plan En of thepolicy:
4.A"We will pay reasonable and necessary veterinary services expenses for your pet's condition thatoccurs and is treated during the policy termTo be eligible for payment, your pet's condition must comewithin a primary diagnostic code listed on the Superior Plan Benefit ScheduleEach condition is eligiblefor payment under only one primary diagnostic code and any applicable secondary diagnostic code, perincident."
4.B "The amount we will pay for any condition covered by this policy is determined by: ( I ) yourveterinary services expenses, (2) the Benefit Schedule, and (3) your deductibleWe will pay 90% ofcovered veterinary services expenses up to a maximum of 90% of the Benefit Schedule diagnostic codethat applies to your pet's condition, less your deductible."
Should you require any further assistance in this matter, please contact our *** *** ***Janice K***, at ###-###-#### or via email at ***
Sincerely,
Ben W*** *** *** *** *** ***

The point is my car was not in need of repair until your policy holder hit meYou're free to inspect all you want to inspect the damage is the same I'm not going back and forward with you about this.
If you don't understand what I asked of you over the phone I'll type it out for you.
PROVIDE ME WITH THE LAW THAT STATES THAT YOU DO NOT HAVE TO REPLACE MY CAR PARTS I DON'T CARE ABOUT YOUR OPINION ON THE MATTERI WANT TO SEE THE LAW THAT SHOWS THAT WHAT YOU'RE DOING IS THE PROPER WAY TO GO ABOUT THIS MATTERTHAT'S ALL I'M ASKINGClearly you don't have this answer so get me someone that does so we can all go our own way.
Regards, *** ***

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To Whom it may concern:
This letter is in response to the dispute for our previous submitted resolution for the complaint filed with your agency by *** * *** regarding his Automobile policy. The Policy Declaration pages provided on February 17, 2014, were issued to the address listed on file for the policy at that time. Nationwide regrets the apartment number was not added to the policy at its inception causing a failure in delivery of the original document. We are glad we could provide the document to *** *** through email as requested. The *** *** policy was cancelled with an effective date of January 30,
The *** *** policy was initiated for the same date to prevent a lapse in coverage. The *** *** policy was cancelled as requested on February 19, 2014. The balance due of $reflects premium owed from January 30, 2014, until February 19, 2014, for the *** *** policy
If the policyholder obtained alternate insurance prior to February 19, 2014, please provide documentation and the policy will be adjusted accordingly
Please feel free to contact me with any questions or concerns
Sincerely,
*** ***
Nationwide Insurance Companies
###-###-####, Ext####
***

This is in reference to complaint ID and an email that was sent to me (copy attached)I would
like this complaint file reopenedI read the email over and noted a big error which started this, process ,my letter dated January 4, In the email the check sent on January 4, 2013, check nofor $was not mentioned, nor didit state they sent the check back, which I still do understand whyI did not receive the check and if I hadwould have called and everything would have been straighten outIt was also not mentioned that theysent me a collection notice from *** *** *** dated September 2, for $which IpaidDecember I did not receive a bill that a payment was due It was not until I received the letterdated December 31, stating my policy was cancelledI blame Nationwide for their lack of communications, not handling my policy properly and being withoutcar insurance for three months, The least they can do it reimburse me for $3,($2,627.10+$125.10see back of letter dated June 2, 2015) and settle thisThank you for your helpAny questions or concerns call me at ###-###-#### or email me at ***
Sincerely, *** ** ***

Thank you for your recent inquiry regarding a complaint you received from *** ***I havereviewed this claim file and would like to address Ms***’s concernIf I do not provide theinformation you need for this matter, please do not hesitate to let me knowMs*** has a
personal auto policy with *** *** *** Insurance Company.On January 1, Ms*** reported a recovered theft of her BMW 128I with damage toNationwide InsuranceThe claim was assigned to Daniel C*** to handle the investigation for thelossHe was finally able to reach Ms*** on April 5, to discuss the claim.An inspection of the BMW was conducted on April 7, by a local representative, Steve S*He found the damages on the vehicle to be inconsistent for a vandalism loss, but rather to be minor innature as wear and tear on the vehicleThe stitching on the canvas top of the vehicle, wasalso found to be pulling apart, and not rippedA denial letter was drafted and mailed to Ms*** onMay 20, 2016, due to these findingsBased on my review, no errors were made on this claimHowever, I am sorry that the outcome wasnot satisfactory to Ms***We strive to meet our customer’s needs, but understand thatsometimes we are unable to do soIf you should have any questions or wish to discuss the matterfurther, please feel free to call meIf you require further assistance, please contact our *** *** *** Claire S*at ###-###-#### or by email at ***
Sincerely,
Nan Q***

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This letter is to serve as a formal response to the complaint filed by *** *** *** with the
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Revdex.comThe complaint was regarding the Hillsbarough County Board of County
Commissioners Deferred Compensation Plan (the "Plan") account of *** *** ***,
administered by Nationwide Retirement Solutions (Nationwide)
The facts pertaining to Nationwide's handling of this account are as follows:
On October 15, 2010, Nationwide was notified of the passing of *** ***, a
participant in the PlanBecause *** *** did not designate a beneficiary, her estate was
named the account beneficiary by defaultAn attempt to contact the executor of ***
***s
estate was made and a response was received on January 9,
On January 9, 1, Nationwide received a BeneficiarylAlternate Payee Claim form
completed by *** *** *** (f.k.a*** ***), as well as a copy of ***
***'s death certificateHowever, Nationwide also required documentation indicating
that *** *** was the executor of *** ***'s estate in order to pay out the remaining
assets properlyBecause there was no documentation supporting *** ***'s claim as the
executor, a payout could not be processed at that time
According to our records, *** *** initiated a loan from *** ***'s account via our
w.nrsforu.com website on November 11, 3, and began making repayments to the
accountTypically, when Nationwide receives notification that a plan participant has
passed away, a distribution hold is placed on the account to prevent the removal of assets
until a beneficiary has been determined and approved for payoutHowever, Nationwide
failed to place the distribution hold in this instance
*** *** provided an Order of Summary Administration to Nationwide on April 15,
2014, which directed the remaining funds in *** ***'s account to be paid out to herIt
was at this time that Nationwide discovered that an erroneous loan had been taken from
the accountNationwide began research on how to correct the issue, and what tax
reporting and subsequent tax consequences there may be for *** ***
Between April 15, 2014, and May 20, 4, *** *** placed numerous calls to
Nationwide to follow up on her requestUnfortunately, Nationwide was unable to
provide updates or thorough details to *** *** as Nationwide had yet to conclude
research regarding the treatment of the outstanding loanUnderstandably, this prompted
*** *** to file separate complaints with Nationwide and the Revdex.com
On May 20, 2014, Nationwide processed *** ***'s requested payment and issued the
check via UPS overnight mail to her home addressNationwide has since concluded
research regarding the loan and responded to *** *** in writing with the findingsAt
this time, Nationwide has responded to *** *** and all of the concerns that were
brought to our anentionNationwide has also identified service opportunities which will
be addressed with the associate(s) involved
I trust this information is helpful for your evaluationIf you require additional information
regarding this matter, please do not hesitate to contact me directly at ###-###-####,e xt
#######weekdays from 8:a.mto 5:p.mEastern Time and I will be happy to assist you
Sincerely,
*** ***
*** *** ***

Their credit card processing wouldn't securely run my cardIt has been stuck on processing for over minutesWhen calling, no one knows what to do

I reviewed the response made by the business in reference to complaint ID *** I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about itIt seems the only way one can afford to have homeowner's insurance is if it is never actually usedA significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in generalThe premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymoreI suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance That way, the consumer can at least have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for
I prefer to make informed decisions, but this is impossible when dealing with NationwideThe agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the futureI was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone.
If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhereI fear I would only be trading one set of headaches for another however
Regards, *** ***

Not everything that was ruined from the water damage is being taken care of by Nationwide I have let companies into my home to do their tests as requested by Nationwide One was a mold inspector, one was an engineer, one was a contractor all of Nationwides choosing I have not gotten any of the reports backI will be sending pictures via email so you can look at them Nationwide is only wanting to replace the bottom kitchen cabinets, when the floors need to be replaced and new dry wall and new base board, along with the cabinets In the bathroom, the cabinet is completely ruined, it needs to be replaced, along with the flooring, tub, all dry wall, and tiles, in the living room, new dry wall needs to be put up, and new base boards need to be put upIn Nationwides proposal, they are only going to replace the bottom kitchen cabinets, my home was built in 1970, I don't think I am going to be able to replace them with something like what I have in there now They also said the floor in the kitchen does not need to be taken care of, there was so much water on the floor in the kitchen, the blue tiles have bleed onto the white and where the water has sat on the grout, it has made holes in the grout and water has gotten under themAs I said in my previous email, I just want what was damaged from the water replaced, I have paid my homeowners insurance for over years just as they requested Now that I am trying to use the homeowners insurance, they do not want to pay for what needs to be fixedPictures will be sent from my cell phone
Regards,
Deneen Crutcher

this still doesn't specify the reason why my Good Student Discount is constantly being added and removed over the months that are clearly shown on this
documentI have also never paid late, according to this document, although I am always NEVER informed of the removal of my student discountI am currently 24, yet nobody can accurately explain why I don't qualify since their guidelines state that I will receive it from 16-and will not be allowed once I'm Now it is completely opposite because they're saying I don't qualify since I'm but I've been receiving it since I turned 24, on Dec
Regards,
*** ***

1,Not all my personal belongings were forwarded2, the refurbishment that was made on my property was $70003, nationwide stopped my rental Reimbursment
Regards,
*** ***

We are in receipt of Ms***’s rejection of our response regarding the above referenced fileIn her complaint, Ms*** is disputing the processing of the above referenced claims and is requesting additional benefits be appliedAs stated in our original response, we have requested records on Ms***’s behalf in order to determine if additional benefits apply to the above referenced claimsWe received the requested records on October 18, Our review was completed on October 20, and found that Murphy was treated primarily for pneumonia on all claims in questionThe claims were reprocessed with a primary diagnosis of Pneumonia (code 1447) and secondary benefits were applied as indicated in the recordsA letter explaining the outcome of the review was sent to Ms*** on October 20, A revised explanation of benefits was sent out for each claim reprocessedPlease note that our review is final unless we receive additional documentation that was previously unsubmitted.Should you require any further assistance in this matter, please contact our *** *** ***, Patty G*** at ###-###-#### or via email at ***Sincerely,Vincent G***###-###-####

They are lyingThey already said they got my cancelation request on 8/even though I faxed it 8/and they said they didn't send written notice until 8/which I never receivedI called as soon as I got written notice, which was in SeptWhen you buy something you are told at that time that you'll be charged and how much, not weeks laterYou don't tell someone at the time that there are no fees and then later tell them there areAnd that bit about you have to rate them is **Allstate didn't rate my son and when my older son had his permit esurance didn't rate him so no you don't have to rate him and based on my previous experience I had no reason to think you would rate him
Regards,
*** ***

I am in receipt of your inquiry submitted, November 2, Ms*** called Nationwide to purchase and Auto policy July 17, The policy *** ***was issued with a six-month premium of $The policy was issued with a for Paperless PolicyDeliveryThe Paperless policy
delivery was agreed to by Ms*** during the quote and bindprocess along with a reminder to complete online registration to access electronic documentsMs.*** was advised to pay close attention to any documents that may arrive by e-mail as it could affectthe rate or eligibility.The Paperless Policy Delivery was removed August 19, This caused a $increase due toMs*** not completing the online registrationOur records indicate Ms*** contacted NationwidePersonal Lines Services on October 27, The Paperless Policy Delivery was agreed to beadded back to the policy as a back dated change Ms*** made a request to remove rental carcoverage from the policyThis combination of changes decreased Ms***’s premium by a total of$An error occurred when the Personal Lines Processing department attempted to adjust the Octoberbill to even out the monthly installmentsThe October bill was cleared to re-bill with the adjustedamount; however, the due date was changed to November instead of back to October which causedthe premium to be divided over one less month for the term Ms*** contacted Nationwide Personal Lines Services November 3, Ms*** has agreed topay the back payment for OctoberOnce the payment for October is made, the November bill willreflect the correct agreed upon monthly premiumIf you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, at###-###-#### or by email at ***
Sincerely,
Daniel M***

Our previous letters clearly have proven that Nationwide has increased our auto premium without a valid reason after we have cancelled our home and auto insurance with them. nationwide insurance company has increased our premium so they can avoid refunding our premium. This the truth, and we continue to prove this pointThank you
Regards,
*** ***

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*** *** This letter is in response to the complaint the Revdex.com received on November 21, regarding the auto policy referenced above. I would like to address *** ***’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know
*** *** bound a new business auto policy through the MyNationwide.com website on November 3, at 5:PMOn the same day, a payment in the amount of $was made as part of the bind and an email was sent to his email address confirming this bind requestOn November 6, 2014, the new business auto policy was cancelled effective November 11, *** *** called into the Nationwide Service Center and spoke to a Member Care Representative on November 8, inquiring about his refundHe was advised that his refund of $was just sent out and should be receiving it within the next to business days*** *** called into the Nationwide Service Center on November 24, and spoke to another Member Care Representative*** *** expressed his frustration of not receiving his refund yet and was advised that his refund was in validation and was getting ready to be sent outThe refund of $was issued on November 10, and printed on November 25, and sent to *** ***Nationwide holds refunds on new business policies for days to allow time for the validation of all paymentsI apologize that *** *** was not clearly given this information regarding the issuing of his refund and feedback will be provided to the Member Care Representatives involved
If you should have any other requests or questions regarding this matter, please feel free to contact me. Sincerely, *** *** *** *** * *** *** *** * *** Nationwide Insurance Companies###-###-#### ***

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This appears to be related to the claim where your contractor fell through the ceiling This does not appear related to the hail claim We will review this estimate and determine if there are differences from what the adjustor wrote.
Thank you.
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