Nationwide

My truck was parked in front of my house and a drunk teenage smashed into it and totaled itHe had Nationwide insuranceThe adjuster that is supposed to be working with us ignores all of our callsWhen we try to talk to someone else, they say they can't help usI think this company is completely shady and they are only out to cover their butts and screw people overThey could care less about the customersI hope I never have to work with them againI will never have their insurance [redacted] and [redacted] are much better companies to work withI feel sorry for anyone that chooses to work with this company or purchase their insurance

Had an auto loan and paid offNationwide Bank has sent a Title with the previous lien holder name on it ( [redacted] )when I went to DMV to register,DMV said "NO" they can't accept as the title has [redacted] but not Nationwide bankCalled Times (times people hang up for no reason,call waiting times have been at east times each time when I calledFinally I was able to get hold of some one on the call [redacted] ), luckily this gentleman provided his direct number for any questions in this process but I called at least times and left a voice mail every time but unfortunately I have no luck this time tooTrying to reach Nationwide Bank and every time I will be forwarded to this loan department but I have hard time getting my titleLASTLY my car registration is expiring next week and I can't even drive my carLOYAL,DISAPPOINTED NATIONWIDE CUSTOMER [redacted]

[redacted] *** [redacted] [redacted] We are responding to your inquiry regarding [redacted] ’s complaint concerning her property damage settlementIf I do not provide the information you need for this matter, please do not hesitate to let me know I understand from the complaint submitted that [redacted] was dissatisfied with the customer service she received from the representative handling her claim This concern has been addressed with the representative and I anticipate a more pleasant experience for the [redacted] ’s moving forward I would note that the Enterprise rental vehicle we provided was extended by [redacted] on 6/16/so that the [redacted] ’s would have it available until 6/23/ Regarding the valuation of [redacted] ’s vehicle, we had previously acknowledged Mr [redacted] ’s request to consider the window tint as will as a separate spray on the truck bed liner and requested the receipts for any recent work We have received the receipt for the bed liner but had not received documentation for the window tint We would need this receipt to determine if it would add any additional value to the vehicle The claims representative will be following up with the [redacted] ’s to obtain the receipt and re-run the valuation of the vehicle Thank you for bringing this matter to our attention If you should need additional information related to this matter please contact me Sincerely, [redacted] Depositors Ins Co###-###-#### [redacted]

[redacted] offer and response is clearly in bad faith [redacted] how do you justify: Not including the options I mentioned, "FogLamps, DualRadio, Vcr, Television, RemoteStarter" in the settlement offer? Not including the average of the adjusted value of the totaled vehicle determined by the comparison vehicles that your company found? Not giving me the opportunity of a cash payout allowing me to repair my own vehicle? All of these request are industry standards and I'm willing to bet my legal rightDid you bother to read the explanation of my request? Regards, [redacted]

[redacted] [redacted] This letter is in response to your inquiry received on June 27, After review of the additional information [redacted] has provided, our position and response remain the same, and [redacted] ***’ email confirmed the request cancellation referenced in the response The above referenced policy was written effective November 7, and a premium of $ During our discovery period, which is defined as days from the inception date of the policy, there was a claim, and an investigation completed by our Special Investigations UnitThe investigation revealed that the policyholder did not live at the policy addressThis 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 investigationThis change was completed during our discovery period, previously defined as days from the inception date of the policy, 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, Premium for the time the policy was in force (November 7, to February 12, 2014) is $ Payment received to date from [redacted] is $with an additional balance due to Nationwide of $ If you require further assistance, please contact our Customer Relations Coordinator, [redacted] at ###-###-#### or by email at [redacted] Sincerely, [redacted] ###-###-####

This letter is in response to the concerns filed by [redacted] regarding the Smart Ride Discount andadditional discount Mr [redacted] feels is still owed on the policyIn review of the Smart Ride Discount that is being received on policy [redacted] , Mr [redacted] iscorrect that the discount is not showing a full 40% decrease on the Chevrolet for Bodily Injury,Property Damage, and Collision coverage or the full 26% discount on these coverages for the GMClisted on the Auto policy.Per the Smart Ride emails that are sent weekly to Mr [redacted] and the Smart Ride Website, as well asthe Nationwide email confirming the Smart Ride discount completion that was sent: “Your final discount will be applied at your next policy renewalDiscount amount listed is anapproximation and does not apply to all coverage elementsActual savings will vary based on yourpolicy coverage selections and rating factors.” The discount amount will not translate into a flat percentage off the final premium as it does notapply to all coverages or policy administration feesThe discount is applied to Bodily Injury,Property Damage, Medical Payments, and Collision based on the rating sequenceAs an example, if the base premium for a coverage is $1,and a 9% discount for Multi-Policy,40% discount for SmartRide, and a 15% discount for Accident Free is being applied, the premium iscalculated by applying one discount at each step as shown belowIf the discounts were applied as a flat percentage, the discounts added together would be 64%; ifthis was applied to the base premium of $1,000; this would make the final premium $not$Regarding the concern of the premium appearing to be $more that it should be; after theSmartRide Discount is applied in the rating sequence the policy administration fee is applied andthen term adjustment factor is appliedIf you require further assistance, please contact our [redacted] , Dawn H***, at###-###-#### or by email at [redacted] Sincerely,Jennifer C***

I am EXTREMELY upset and frustrated by the horrible customer service and underwriting processes at NationwideMy husband and I selected Nationwide as our Homeowners Insurance provider and they cancelled us after less than months! I initially signed up for the services online and provided all necessary information for the premium and payment to be paid through our escrow accountNationwide had no problem taking $out of my escrow account almost IMMEDIATELYThen, we receive a letter in the mail about weeks later which states our premium is being cancelled because we did not provide the requested informationWhat?! We never even received any previous letters requesting information! I contact Nationwide and spend almost a HALF HOUR on hold and TWO HOURS speaking to TWO different representatives providing them information they claimed was neededThe associate PROMISED ME she would follwith me via my e-mail, which she verifiedShe told me that the "Underwriting Department" needed to review the information and that she would follow up with me regarding the responseI NEVER RECEIVED ANY FOLLOW UPMy assumption at this point is that all matters have been resolved, therefore, there was no reason for follow upOne week later, I log in to Nationwide online to see that my ACCOUNT IS CANCELLEDWHAT THE ***! I call Nationwide immediately and speak to a representative who says that my premium was cancelled because my husband and I were not able to verify whether the plumbing and wiring were updated in our houseOur home was built in 1952, HOW IN THE [redacted] are we supposed to know if the plumbing and wiring were updated? We've only owned the home for yearsIf the sellers did not disclose whether the plumbing and wiring have been updated, what do we do?! We obviously can't have insurance with Nationwide! Nationwide obviously does not value their customers and their retention is probably horrible due to their egregious and dumbfounding policiesI will never use Nationwide again OR EVER recommend them to friends, family or anyone

Thank you for all that you doNationwide has sent me a check today of $1,which according to them is 75% of their own estimate of $1,At first when I gave them an estimate it was $from the mechanic that my insurance sent me toTheir own is far less than thatHowever, I asked them to please go and fix the car since their own estimate is lesserThe lady refused [redacted] saying "I have to go and fix it and that is how much she is offering me"! I plant to get a second opinion from another mechanicKindly help to resolve this with them as they refusing to respond to meThank you,Sincerely, [redacted]

We are in receipt of your request for information regarding the above referenced fileAccording to our records the checks for the two claims referenced above were returned to our office on October 21, as “ return to sender/insufficient address/unable to forward".Further review of the file found claim [redacted] was received on September 23,and Claim [redacted] was received on September 29, Both claims were processed in accordance with the terms of the policy contractReimbursement checks and Explanation of Benefits for both claims were mailed to Ms [redacted] on October 5, At the time the checks were processed the address on file was: [redacted] ***We found record that on September 23, 2015, October 17, and October 19, the policyholder accessed her policy through the Policyholder Portal and attempted to update the addressWe show during those attempts the address was amended several times and the apartmetit number added and then dropped.On October 19, Ms [redacted] called and spoke with a representative regarding the status of the claim checks Upon policyholder verification, the representative recognized the apartment number was missing from the address and processed an update to add apartment number “***” to the address.During the call Ms [redacted] advised the representative that she had attempted several times to update her addressShe also advised the representative that the missing apartment number should not have stopped the check from being deliveredAs stated above, the United States Postal Service returned the checks to us as undeliverable.On October 29, the two claim checks identified above were voided and sent to be reprocessed Ms [redacted] will receive payment and Explanation of Benefit's for both under separate cover.It is our business process to allow thirty days from the date of check issuance before we will process a stop pay on the check and reissue if payment is not received by the policyholder During the October 19th call this was explained to Ms [redacted] .We would like to address Ms [redacted] 's comment that we have access to her account and can easily cancel the checks and refund to her accountThis statement is not accurateOur policy administration system deducts and refunds premium payments only from credit cards or checking accounts All claim payments are made via check.Should you require any further assistance in this matter, please contact our [redacted] , Janice K [redacted] , at ###-###-#### or via email at [redacted] Sincerely,Ben W [redacted]

it does not make senseAre you implying that we still owe this debt? If so, why have we not received anything further in months We are nationwide insured (for years), even my representative, Eric McHugh said he was unaware of this debt when we contact him Our homeowners and auto is directly debited from our account, how could we not be made aware of this? Surely this is an oversight??? How could they let this be unaddressed for months and still consider us "valued" customers Regards, [redacted]

Dear Mr [redacted] I am writing in response to your concerns surrounding your direct checking account with Nationwide BankFirst, please allow me to apologize for the unsatisfactory experience you have had with your new account.Nationwide Bank has proactively chosen to monitor account activityYour account was opened on August 18,and the check that was submitted far deposit was processed on Augus124,Because your accountwas under days old it was considered a new accountFor this reason, new accounts are subject to closerscrutinyI thank you for providing the requested documentation to our Customer Resolution team as well as ourLoss Control teamUpon review, that did allow us to remove the restriction on your account.Again, I apologize for any inconvenience or frustration this caused for youPlease feel free to reach out to me ifthere is anything further I may do for youSara H [redacted] Nationwide Bank###-###-####

My wife had coverage with nationwide for years never having a problem except a couple times for charging more then what wa owedShe always got a check in the mail 3-weeks later for the owed amountWe got married and decided we would get on a joint plan for our carsMy mother in-law recommended Progressive due to some issues with her home insurance from nationwideShe told us the rates were a lot better and better coverage! We called around and got a few qoutes and Progressive was the cheapest with the best coverageNationwide ended up still being the highest! So we received our new coverage on January 18th We waited a few days due to being a holiday weekend to cancel our coverage from nationwideA few months go by and we receive a letter from the dmv stating we had a lapse in coverage and that we would need to provide proof of no lapse or pay a severe penaltySo my wife called nation wide explaining what has happened and asking why this has happenedWe had absolutely no lapse in coverage! Nationwide says we do see that you called on jan 21st and canceled, but we received a letter from your father saying he would like to cancel his policy and yours as of jan 15thGiving us a three day lapse! Now I don't understand this her father had absolutely nothing to do with her policy and in there eyes should be a stranger saying they want to cancel my wife's policy! How does that exactly work, so I can go around canceling other peoples policy's just by writing a letterThis doesn't make since to me Yes her parents had coverage with nationwide but had absolutely nothing to do with her policy! So the lady at nationwide proceeds to say that she will have to talk with her underwriter to figure this outAND it could take up to hrsMy wife has to work and she is not supposed to drive her car due to lapse in coverageHOURS! To say that I am upset is an understatementWe have paid her policy on time and never had a lapse from missed paymentsAfter five years of coverage this is how she is going to be treatedWe're sorry you couldn't beat our new policy's price but come onYou are supposed to be a legit companyI WILL NEVER USE NATIONWIDE AND WILL ACTUALLY GO TO EXTENT OF TELLING ALL OF MY FRIENDS AND FAMILY THAT USE NATIONWIDE TO CANCEL THERE POLICY AND GO WITH PROGRESSIVE

Dear [redacted] : This letter is in response to the inquiry received from your office on March 25, This letter contains the correct Office of Customer Advocacy Number (OCA) Our previous letter listed this number incorrectly At this time, we have not received any new information that would alter our previous liability decision As such, we are unable to change our prior liability decision where we agreed to pay 70% of [redacted] ***'s damages Please note that we called [redacted] on March 18, to further discuss the basis of our decision; unfortunately, we were not able to reach an agreement with herThis is a case of disputed liability where we feel [redacted] shares in the responsibility for this accident If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] Western Claims Zone Nationwide Insurance Company of America Phone: ###-###-#### Email Address: [redacted]

It did not address my specific request regarding the offer extended by Director of ClaimsI have obtained an attorney to resolve through litigation Regards, [redacted]

[redacted] [redacted] ** [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] To Whom it may concern: This letter is in response to the complaint filed with your agency by [redacted] regarding her Automobile policy Our records indicate the automobile policy renewed effective October 29, 2013, with a semi-annual premium of $ Nationwide received the attached cancellation request for an effective date of March 10, The policy was cancelled as requested and a refund of $issued to [redacted] *** Our records indicate the refund check has yet to be cashed If the policyholder desires, we can stop pay the outstanding check and reissue to the address listed in the complaint case If you require further assistance, please contact our Customer Relations Coordinator, [redacted] , at ###-###-#### or by email at [redacted] Sincerely, [redacted] Nationwide Insurance Companies ###-###-####, EXT #####

[redacted] [redacted] *** [redacted] ** [redacted] [redacted] [redacted] Please accept this letter in response to your correspondence dated August 26, I am rejecting the responses from [redacted] based on my complaint concerning claim and claim due to her failing to read an address my concerns with in all correspondences In message sent by Revdex.com dated 05/22/my complaint was based off of two issues both claim and claims that where under [redacted] [redacted] has failed to read corresponding information as, attached documentation as well as address all concerns in my correspondence [redacted] has been avoiding addressing information requested in all messages and chooses to only pick one item out of each message to delay any type of resolution I am rejecting her response dated August 26th it is not my responsibility to go in and pull out your non reading errors Regards, [redacted] ***

[redacted] *** [redacted] ** [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] This letter is in response to the complaint filed with your agency by [redacted] regarding his Tenant policy Our records indicate the policy was written on June 17, 2014, for an effective date of July 1, Nationwide collected the annual premium amount of $on June 17, On June 30, the policy cancelled for an effective date of July 1, On July 1, 2014, Nationwide calculated a refund amount of $for the policyholder Nationwide held the premium for days to validate the original payment On July 11, 2014, Nationwide returned the payment of $to the bankcard used for the original transaction Nationwide is advised that it may take five business days for the bankcard account to reflect the credit If you should have any other requests or questions regarding this matter, please contact Colleen Flack at ###-###-####, ext######## Sincerely, [redacted] – Customer Resolution and ResponseNationwide Insurance Companies

[redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] ** I apologize for our oversightI show we received [redacted] 's letter on May 22, and overlooked it in errorI sincerely apologize to *** [redacted] for this oversight What I found We issued this policy effective October 9, with a specified amount of $200,I show the policy is an Individual Flexible Premium Adjustable Fixed and Index-Linked Universal Life plan The original application (enclosed) indicates she originally applied for a whole life plan paid up at age 100, however, was changed to an Individual Flexible Premium Adjustable Fixed and Index-Linked Universal Life plan,I've included copies of the signed illustration and an amendment dated October 14, when the policy was delivered As a Fixed and Index-Linked Universal life plan, the owner/insured has the option of selecting either the Fixed Interest Strategy or the Indexed Interest strategies These options are complex and a complete explanation is in [redacted] 's contractI have enclosed a specimen copy of the policy and the data pages for your reviewThe Interest Crediting Strategies Provision begins on page I show we drafted the initial quarterly premium of $3,on October 17, [redacted] authorized this draft from her checking account ending in ####We applied the payment to the policy effective the issue date October 9, We haven't processed any further premium drafts on this account We began bllllng [redacted] quarterly with the first quarterly premium due January 9, I've enclosed a copy of this billingWe received her quarterly premium via a personal check, number dated January 15, and drawn on the same checking accountI show we sent the April 9,premium notice (enclosed) but we haven't received payment at this time About our decision [redacted] has requested we rescind the policy and reimburse all premiums paid because she was interested in life insurance rather than an investment This is a universal life insurance plan and not an investment based policyBased on this, we can't proceed with her request to rescind the policy and refund premiums As confirmation, we are not drafting the premiums from her checking account so there is nothing for us to stopThe only draft completed occurred in October 2013, with her authorization For help when you need it If you have any additional questions, please contact me by calling ###-###-####, option *, extension #### between a.mand 3:p.mEastern time or by emailing [redacted] Sincerely, [redacted] Nationwide Financial

Attached is the form you requested

[redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding claim number ##### for [redacted] and to address his concerns about the claim Victoria Fire & Casualty DBA Titan has addressed the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his Volkswagen Sincerely yours, [redacted] Phone: ###-###-#### October 16, 2014Claim number: [redacted] [redacted] Claim detailsInsurer: [redacted] Policyholder: [redacted] ***Claimant: [redacted] Claim number: [redacted] Loss date: August 20, 2014Loss location: [redacted] *** Dear [redacted] , The damage to your Volkswagon Jetta GLS is all bolt on/bolt off partsThere was not any structural damage and you opted for an appearance allowance of $on the small dent on the exhaust shieldThe estimate also notes the vehicle has scuffs, stains on the hood and a few small dings, which would not place the vehicle in a pre-loss condition of "excellent retail" As previously stated, this vehicle has been repaired to its pre-accident safe, mechanical and cosmetic condition by the shop of your choiceAt this time, the offer of $for diminished value standsPlease find the enclosed payment in the amount of $as it is the undisputed amountAn alternative is for us to hire an independent appraiser, at our expense, and you to hire an independent appraiser, at your expense, and have the information reviewed by an arbitratorThe arbitrators decision would be finalFor more information If you have any questions or concerns, please contact me at ###-###-#### or [redacted] Sincerely, [redacted]