Nationwide

Here is the item you requested. (Purchase of new Prius – Sept. 23, 2016) Please remember, even though the car was purchased it then must be wrapped, brake and accelerator added to the instructor side, and approved by the state. I already have given the date of when the car came out of the shop to be able to legally be used.  
 
Sincerely,D. Kirk
Doctoral Candidate
[redacted]
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Canceled my policy on 15 Jul 2014 and was still billed for the next month. Called them and explained, no problem. Re-billed twice more with calls to explain to them, but they don't care just want money. I've now been sent to collections and told I must provide proof of new insurance to Nationwide's collection agency.To me this is very intrusive and should be illegal

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I received the breakdown request sheet that doesn't explain why they want 162.90 dollars.
Anyway, I will answer your questions the best I can.  First of all, when you agree to pay sertain amount in your policy, is because you have the money for it. So I agree to pay 260.44 dollars for 6 month no change.  From the first week till 3 month this company never satisfy me or provided the source they suppose to.  Never took the time to verify why I couldn't receive my insurance card until I found out.  Please referre to page #1 (wrong address). My payment was authomatic, so they enjoy my money while I was so upset waiting for an insurence card and my policy contrat that never arrived.  Since I'm single mother with a dissable child I forgot about the insurance card and let the time past until they told me or notifyed me of the increase.  Once again they didn't satisfy me with good argument of the reason of that increase, 2 or 3 represnetative stated that the girl that did my policy forgot to turn in or click something in the computer and now I have to pay more.  I asked, so, why you don't fixed, because is her mistake no my.  He said that the only way was signing some papers where I stated that I refused service that my original policy supposedly has. So, after argued hours with them, I realized that they weren't serious company and I didn't want to carry a insurence with almost not coverage when my car is new, just because they lie to me.
The only thing I could do was cancel and I understood It wasn't any charge, because it was monthly pay.  Some people are crazy thinking that we can come with any amount they want.  No in my case, they most be faithful to our agreement or they can forget about me.  I don't have that kind of money to be playing around.  They were eager to increase, but not to send me a insurance card.  This is my reason of cancelation, and also why I didn't agreed with the increase.
After talking with the representative with out finding a solution I ask him to cancel my policy, so, he send me to cancelation dept.  and I asked to cancel the policy by phone.  She asked me what day would you like.  I said the last day that I am cover for this month (May) since I already paid.  She said that will be the 28 and you just need to sign the paper on line. So the paper was authomatic on line page #2.  Then I have a page #3 were it shows that the  increase suppose to happen the next month (June) and I wasn't cover by them any more.  My new insurance took place the day of my cancelation (May 28).  
Later on , when I received the last bill of 162.90 I called for explanation and more lies where around one agent said that my real day of cancelation was the 11th of May.  But a supervior said that he was wrong, that the amount was because I didn't sign the paper refusing coverage.  Well, I said that suppose to be for the next month (page3).  Page #4 support what the other agent said that was due to been coverage till May 28.  But, the lie to me ones more.  I feel that the Revdex.com needs to tell them that they need to be responsible for their accions and they didn't act right with me.  They have to pay for their mistake as I pay for my own.  May was cover I don't own them nothing.  If someone need a pay back is to me for all the bad service and wasting time with them.
*So please notice that some policy increase but at the re-newal time and/or for accidents they may inccure with # tho is not the case.
For your attention, I do thank you and appreciate everything that you can do to resolve this complain.  Because the collection people are bother me to much.
[redacted]

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[redacted]   [redacted]
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This memo is in regards to the response from [redacted] dated 4/17/2013. 
[redacted] can contact the [redacted] Department of Insurance (SCDOI) directly, if he would like to file a complaint with their office. The **DOI will be able to explain the details of the complaint process, including how to submit documentation pertaining to his complaint. 
I trust that I have addressed the issues within [redacted]’s complaint.  If I can be of further assistance, please contact me at ###-###-####. 
Sincerely, [redacted]
 [redacted]

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Thank you for your letter regarding our member’s concerns. I have reviewed the file to determine what transpired during our member’s accident and tow event.
In regards to our member’s concern pertaining to the delay in acquiring a rental.  Our Non-Injury Claims Adjuster spoke with our member regarding loss of use coverage.  Our member’s policy does not have loss of use coverage to provide a rental.  In order to ensure all options were reviewed, our adjuster also contacted our member’s agent and requested a signed application, which was added to the file, showing rental as declined.  A supervisor also advised our member regarding not having loss of use on their policy.  No claimant information was provided to us or the police in order for us to review subrogation opportunity.
An independent, third party tow company was dispatched to move our member’s vehicle from the storage facility to a repair location.  Member advised (Titan) Nationwide that there was damage to their vehicle.  Nationwide opened a damage complaint with the third party.  Pictures and estimates were provided to them for review.  The damage complaint was opened in order to attempt to resolve the matter without a claim being opened on our member’s policy.  The company denied the liability of damage based on the damages sustained would not be areas that come in contact with the type of tow truck used to move our member’s vehicle.  Nationwide requested a re-review by the third party.  A denial of liability was sent to us.
Our member was contacted on 9/28/15 and advised of the denial on both the initial review and the re-review.   Our member was then advised of the options available.  The option of opening a claim with Nationwide would require the member to pay their deductible and Nationwide would then pay any charges in excess of the deductible.  Should Nationwide’s claim investigation determine that there is subrogation opportunity, meaning there is sufficient evidence to determine damage was more than likely caused by the third party, Nationwide would pursue subrogation in an attempt to acquire the member’s deductible along with any expenses Nationwide incurred to repair the vehicle.   
My unit advised the adjuster of third party’s denial.  Our adjuster attempted to reach our member on 9/29/15 and left a voicemail requesting a return call at their convenience to review the member’s concerns and to advise on next steps within the claim process.  Unfortunately, as of 11/3, the adjuster has not received a return call from our member.   Our member’s adjuster has reviewed the photos and determined the vehicle damages are not consistent with the facts of loss relating to tow damage.
The alleged damage the member is stating occurred during the tow would be a separate claim and have a separate deductible since the damage is unrelated to the initial accident for which the vehicle was being towed by the independent third party provider.
If you require further assistance in this matter, please contact our [redacted], Charity W[redacted] #############, or by email at [redacted]
Sincerely,
Jennifer W[redacted]

In response to your request to address a complaint filed by 3rd Party Claimant [redacted], please be advised after attempts to reach Ms. [redacted] on Friday, July 29, 2016 I was able to speak with her today concerning her claim. Ms. [redacted]’s concern stems from the estimate written by...

Material Damage Associate Chris R[redacted], which includes non new OEM parts. Ms. [redacted] explained use of these parts would void the manufacturer’s certification of her vehicle. Ms. [redacted] explained that [redacted], employee with [redacted] informed her that the alternative parts would not fit properly. I explained to Ms. [redacted] that if the parts included on our estimate are not equivalent in fit, finish, quality, safety and performance we would adjust the estimate to include parts that would comply with these requirements. I advised we warranty these parts for the lifetime that she owns the vehicle, so long as they are purchased from the vendor listed on our estimate. I explained if the parts do not fit we will inspect and replace as warranted. I also advised that based on the fact the shop has ordered the parts listed on our estimate (as told to me by Ms. [redacted]) I will extend the rental for her until Friday, August 5, 2016 pending completion of repairs. I also advised I would ask Mr. R[redacted] to check in with shop throughout the week of August 1, 2016 to make sure repairs are being completed so Ms. [redacted] can receive her vehicle back as quickly as possible. I provided Ms. [redacted] with my direct cell number and name. We ended the conversation with Ms. [redacted] voicing her satisfaction with my follow up.If you require further assistance, please contact our [redacted], Christine G[redacted], at ###-###-#### or by email at [redacted]Feel free to reach out to me at ###-###-#### if you have any questions or need further information.
Respectfully,
Pamela A[redacted]

The Statement "Attached please find a copy of the Policy Declarations provided at that time" (Feb 13th) is a lie, and indicates this individual didn't bother to read the complaint.  Only received a declarations sheet on Feb 18th (by email) when I requested it because nothing was received in the mail (due to your agent's incompetence in not including the apartment number which was on the driver's license I handed him on Jan 30th).  Also asked for the legal statute which allows you to charge a rate when you fail to provide a customer with the rate prior to billing.  This individual also failed to include that information.
Regards,
[redacted]

My home was broken into 02/18/14 the suspect lives next door. It appears the suspect was watching for me to leave and made several trips and I returned home unexpected and caught the person in my home. He was arrested and the home was processed and evidence collected. I was told to make a list of items taken and I would not need a receipt for items taken but it would help. For weeks nothing happened they said they were busy from claims back east working 12 hr days 7 days a week and I understood. Then my local agent got involved and sent a e-mail against my better judgment. Then things changed the claims adjuster changed. Now he wants receipts and has called places that I have done business with. It's really sad I am approaching the 2 month mark and have not had any thing replaced including the damage that was caused. The suspect has another court date in a couple of weeks, we have a graduation approaching with a lot if guest planned really wanted my home back to normal and my electronics replaced before then but I'm not sure that will happen the way they are handling this matter. At this point I could not recommend Nationwide Insurance to anyone, I would really do my research before I give them my hard earned money.

To Whom it May Concern:
Please accept this letter as a formal response to the questions regarding the Work Training Center, Inc. 403(b) Plan (Plan), administered by [redacted] Administrative Services. Inc (TPA) and serviced by Nationwide Financial (Nationwide). I appreciate the...

opportunity to address any concerns.Ms. [redacted] requested an additional loan from her 403(b) account on December 4, 2015. On the same day, the loan was approved by the TPA. There were unfortunately system limitations that were preventing a good order processing for the loan. As of December 9, 2015, the vesting information on Ms. [redacted]'s account has been updated. As of December 10, 2015, all system issues have been resolved and Ms. [redacted]'s loan has been requested and approved. The funds for the loan have issued out via direct deposit today, December 11, 2015.
I have spoken with Ms. [redacted] and outlined both the sequence of events that led to the issue as well as the current state of the situation. I sincerely apologize for any inconvenience this situation has caused. Should you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:00 a.m. and 4:00 p.m Eastern time.
Sincerely.

I spoke with a representative prior to my due date and she reiterated that my payment wasn't due until the 18th of August. I go online on the 17th of August to make my payment and it's not showing me my auto insurance, just my renters insurance. I call one of the representatives on the 800 line to find out that my policy had cancelled on the 13th of August and that I have been riding around with NO INSURANCE for a week! I am (word rejected) off/livid because when I called in the representative was rude, short, and could give a care that this has happened. I went to online to get quotes from other auto insurers, but because Nationwide showed me with a lapse in coverage, anything reasonable went to outrageous! So I call nationwide and attempt to make a payment, well after ($) times of giving her my cc information, it finally went through due to their systems being down! This has been a horrible experience and as of right now policy still shows "cancelled"! I've been a long time customer with them and I am so dissatisfied!

Dear Revdex.com,
I have been in communication with the Local Nationwide Agency and we have resolved this issue and I was advised that another insurance company was involved.  
Thank you for your assistance
[redacted]

I am in receipt of your correspondence of May 4, 2015 regarding the above captioned loss andwould like to take this opportunity to respond.
This claim was reported to us on March 2, 2015 and handled in our Harleysville, ** CatastropheUnit. Immediate contact was made with our insured...

and we assigned an adjuster to view theclaimed damages. This inspection was completed by [redacted]with [redacted]. on March 10, 2015 as that was when the insured would be available.The insured also contracted with [redacted] to perform water mitigation of the property. [redacted]was not hired nor were they contacted by Harleysville Preferred Insurance to complete anymitigation at the premises. Once we were notified that they had inspected the property we didcontact them for the scope of their repairs. We discussed their mitigation process with [redacted]from [redacted] on March 6, 2015.
Our investigation found water damage consistent with ice dams to the interior of the home.However, a complete inspection of the roof found numerous areas of preexisting damages andrepairs as well as evidence that the roof at one time had been tarped. No evidence was found ofice dam damage to the roof. The roof had damage in numerous places which was not indicativeof damage caused by ice as the damage was not where the ice had formed but wide-spread on theroof. We have included photos that document these findings.We received the estimate on March 17, 2015 and discussed the estimate with the insured onMarch 19, 2015. This estimate was emailed to [redacted] and payment was issued on March 26,2015. Also on March 26, 2015, [redacted] called and was concerned that the roof was not beingincluded in the estimate. We agreed to send assign a second inspection.
This re-inspection was completed by [redacted], with [redacted]. onApril 14, 2015 At that time the roof was re-tarped. [redacted] was unable to see any damage tothe roof due to the tarp. [redacted] was informed that if he had the tarp removed, [redacted]would come out again to see the claimed damages or that Harleysville would assign a roofingexpert.
[redacted] did prepare a supplemental estimate to include some additional damages includingice removal from the roof, a new shed and the subsequent tarping of the roof, as a customerservice to assist [redacted] in preventing further damage. Paying for the tarp was not anadmission of coverage for the claimed roof replacement.
Payment for the supplemental damage was issued on May 1, 2015. [redacted] was informed by[redacted], [redacted] that when the roof was again exposed we wouldsend out a roofing contractor for another inspection. At this time we have not heard anythingfurther from [redacted].
Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, [redacted], at ###-###-#### or via email at [redacted]
Regards,
[redacted]###-###-###

My original monthly premium payment, on September 19, 2014 was $84.83; On October 4, 2014 I received a billing for a premium payment of $47.42; I contacted customer service via phone because it was not the agreed upon amount per my policy. I was told that all was well and to just make that payment and resume my regular premium of $84.83 in November.
However, the next billing seems to have been the point where in my experience with Nationwide, would spiral and evolve into cancellation of service on February 19, 2015. Because after I received that billing, as well as the assurance per your agent that the billing was for the correct amount ($47.42), I received a billing dated November 7, 2014 for $132.25.
I called customer service once again, because this certainly was not the $85.83 that I agreed to pay for the time period of September 2014 thru March 2015. After being transferred to one of your agent who could address this vast difference, I was told that it was something to do with the way the points had been calculated in conjunction with the October 4th payment but that it could be addressed at renewal if I agreed to a $95.44 for the reminder of the policy. The adjustment seemed legit because there was a deficiency of $43.83 due to the inaccuracy of the October 4th premium.
So the agreement to pay the additional $10 was due to the explanation that it would cover the mis-billing in October not an increase in premium.
The issue of my premium being inflated came to my attention when I viewed my account via internet around February 12th and noticed that instead of everything being adjusted as stated to me in November 2014; its renewal was $580.70. It was startling because general practice is that ones’ premium would decrease rather than increase when there is no incidence during that policy period. I stated this to your representative during the last conversation that I had with Nationwide, I questioned why my premium was being increased rather than the industry practice of decreasing the policy. No one responded to that inquiry.
My agreed upon premium was $509 per the only policy that I have in my possession from Nationwide not the $676.13 which is on the writing requesting that I make an additional payment of $17.13. This has truly been an experience, so I am bringing it to your attention. The inconsistency with my premiums led me to cancelling my policy with Nationwide. No one could explain why I was experiencing an increased from the initial premium of $509 to the renewal premium of $580.70 or even why I received this request for additional monies which I really do not believe I owe. I always made my payments on time even in advance in most months
This information was submitted to [redacted] in return I received an explanation justifying the increase of policy premium without notification. The inconsistency of the monthly premium payment was not addressed in the correspondence: initial--$84.83 then $47.42 then $132.25 (without due notice) and then the adjustment of $95.44 to accommodate for whatever error occurred by Nationwide's representative billing in October 2014.
My premium of $509 increased to $580.70 without notice and the billing statement which stated a balance of $17.13 included another error—that my premium was $676.13 during the initial period of coverage.
Although the statement “prices are subject to change” is a general understanding within this industry, the practices exhibited during this experience is unacceptable. Customers have a right to be able to make an “informed decision”. In order for that to occur, information need to be provided to the policyholder prior to the date that the premium is due.
Sincerely,
Policy [redacted]

We have received the complaint submitted through the Revdex.com on July 21, 2015 by Ms. [redacted].
According to the Statement of the Problem, Ms. [redacted] is requesting the return of money erroneously deducted from her account on July 20, 2015 in the amount of $264.00. She is...

additionally requesting we pay her $500.00 for the stress she was put under due to our error.We have reviewed the file and determined $264.00 was returned on July 21, 2015 to the payment account we had on file.
We acknowledge and apologize for the inconvenience and stress caused by the error, however we decline the request to reimburse Ms. [redacted] an additional $500.00 for stress.
Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted]
Sincerely,Lynne C. H[redacted]###-###-####
We hope that any problem or question you may have can be solved by contacting our office. However, if you believe all or part of your claim has been wrongfully denied or rejected you do have the right to have the matter reviewed by the California Department of Insurance. In compliance with California law we are providing you with the address and telephone number of the California Department of Insurance: California Department of Insurance, Consumer Service Division, 300 South Spring Street, Los Angeles, CA 90013, Telephone: ###-###-####.

Thank you for the opportunity to address our member’s concerns.
Based on our North Carolina Underwriting guidelines, our member's Ecuador driver's license is not eligible as proof of prior driving history. However, since we did not take action to add the inexperience operator surcharge within...

the discovery period, we can make the effective date of this surcharge effective 12/26/13 as our member suggested.
Sincerely,
[redacted]
North Carolina Underwriting Manager

As a customer of VPI for 6 years, I wanted to share my dreadful experience. I don't know why I remained with this company for so long, maybe I thought there was hope? I have filed multilple claims with this company to be denied almost every penny for the utmost ridiculous reasons. I purchased the best plan for my dog thinking I would be fully reimbursed for all visits and procedures. My dog got cancer in June and I submitted a claim for $420 dollars, and again, it was denied for not having my dogs name on the invoice. I returned the claim (with my dogs name) and a stronly worded letter attached. I finally got some reimbursement and it was only $170 dollars. I can gaurantee that I was given that very little amount because I warned them I would go to the publc and let them know their fraudulant schemes.
I recently reviewed VPI's ratings and saw how many consumer affair reports are against them. Please look into this company, they are not practicing better business decisions. Unfortunately, I'm thousands of dollars down due to my monthly premium and my dog has since passed away (8/11/2015). I have nothing to show for it; I cancelled my policiy as of today.

I called Nationwide 3 times within a 20 mintue span. The first call a woman had me on hold for over 10 mins and didn't see if I needed further help. The second call the lady had me on wait while she stared at the computer for 5 mins, then I had toask her what she was doing bc she wasnt commucating anything to me, so after saying hello 3 times she told me that she couldn't give me any info about MY policy. The third lady refused transferring me to the manager. It sounded like I was speaking to 16 yr old girls. Start hiring people who know what they're doing. [redacted] and [redacted] were no help. I wish I got the name of the first lady bc she was the worst of them all.

[redacted]
 
 
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[redacted]   [redacted]...

[redacted] 
 This letter is in response to the inquiry received from your office on 4/3/14.  Please allow this correspondence to address the concerns raised in your correspondence.  
After review of your correspondence, we contacted the [redacted]’s directly to discuss the status of their claim.   We had been working directly with Mr. and Mrs. [redacted] since the loss date, with only contents items remaining to be addressed. 
An initial contents claims settlement was made with the [redacted]’s on content items that had been totally destroyed in the fire loss they suffered.   Remaining to be evaluated are those contents items that were packed offsite, and later deemed unsalvageable.   Duplications exist between the initial claims settlement and the updated final inventory listing, which are in the process of being addressed at this time. 
Based upon our conversation with [redacted], as noted above, we have together agreed to go over the inventory listings this week, to address and eliminate any duplication, agree, finalize and resolve the remaining contents items to be addressed. 
From an Underwriting aspect, review of the account indicates the above noted homeowners policy was placed with our company effective 11/30/2004 for the newly purchased residence located at [redacted]  
The annual premium for that first term was $619.00.  The application indicated no prior insurance and that this was the first home purchase for the insured. The policy premium for the ninth and final policy term was $1191.00. 
The 12/20/2012 fire loss was the first loss submitted on the policy for which $198,172.68 has been paid to date.  It is understood that a freezer was placed on top of a power cord, resulting in the failure of the cord due to pinching caused by the freezer.   It was indicated that there were also cardboard boxes sitting on top of the extension cord. 
Attached please find a copy of the Notice of Nonrenewal.  It is a standard notification form which indicates nonrenewal in this case was due to Underwriting reasons including loss severity.   Every carrier establishes their own eligibility requirements.    We offer a preferred program and have a duty to maintain competitive rates for our customers, especially those who have been loss free.   It is the premiums of the many mostly loss free customers that come together to enable carriers to pay for large losses such as occurred in this situation. The premiums paid for this policy alone during 9 years would not have been sufficient. For an unprofitable account, it cannot be assumed there will be no further losses.  It then becomes necessary to take action on risks that experience loss frequency or severity.    
As loss activity ages, consumers can again qualify for preferred programs having shown they are likely to be a reduced risk.  This type of loss could have occurred in a brand new home as it was caused by the failure to recognize that the placement of the freezer could damage the power cord, as well as having combustible materials like cardboard boxes placed on top of the power cord. 
Should you have any questions, please contact the undersigned directly. 
Or, if you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] at ###-###-#### or by email at [redacted] 
Sincerely, 
[redacted]AMCO Insurance CompanyPhone: (###-###-####)Email Address: [redacted]

[redacted]     
 
 
[redacted]
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[redacted]                    [redacted]
[redacted]                                         [r...⇄                       Thank you for your additional inquiry regarding a complaint you received from [redacted].  I would like to address [redacted]’s additional concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.  I will attempt to add clarification to our initial response of November 6, 2014, regarding the three issues that [redacted] brought up in his rejection: 
“Not all of my personal belongings were forwarded.”  As stated previously, when [redacted] notified us that he did not remove his personal items before giving us permission to move the vehicle, we made arrangements for Copart to retrieve all personal items from the vehicle and ship the items to him at our expense.  If there are items that he did not receive back, he can make a claim under a homeowner’s or renter’s policy.  There is no coverage for lost personal property under his auto policy. 
“The refurbishment that was made on my property was $7000.”   Our initial response indicated we have offered settlement based on a market valuation report from CCC Information Services, which determined the fair market value of his vehicle based on comparable vehicles in his area, with adjustments made for options, condition, prior damage, and the refurbishments that he mentioned.  We submitted to CCC the receipts that [redacted] provided to us for consideration in vehicle -- $6,774.37 for a refurbished engine installed 12/3/2012.  Based on CCC’s market survey, we increased our offer by $1050.  (Vehicle value does not increase by the full cost of vehicle maintenance.)
“Nationwide stopped my rental reimbursement.” [redacted]’s policy allows for a maximum coverage of 30 days, and we have paid for the full benefit under the policy, 30 days. 
Since we last corresponded on November 6, 2014, [redacted] has accepted our offer through his attorney, and we have issued payment in full for the settlement agreement.   Our settlement is as follows:  Actual Cash Value                                     �...⇄ $9,937 Additional Considerations/refurbishments     $1,015.00 Unrelated Prior Damage Identified $470.40 Unrelated Prior Damage Applied                   -$250.00 Subtotal                                    ...⇄ $10,702.00 Tax Amount based on Rate 2.875%               $307.68 Title fee                                      �...⇄ $18.00 Registration Fee                                      �...⇄ $23.00 Less Deductible                                   ...⇄ -$500.00 Settlement offered                                          $10,550.68.  Based on my review, this claim was properly handled and settled.  Based on our exchange with [redacted]’s attorney, we believe that we have reached an amicable settlement with [redacted].  If you should have any questions or wish to discuss the matter further, please feel free to call me.  Sincerely,  [redacted]
[redacted] Nationwide Property & Casualty Insurance Company ###-###-#### [redacted]

Please accept this letter as a formal response to your questions regarding [redacted] 401 (K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide). I appreciate the opportunity to address your concerns.[redacted]. has chosen to terminate their plan...

with Nationwide and move to a new provider, a company called [redacted] The employer was notified on August 19, 2015 that our procedures for plan termination include a blackout period, during which no withdrawals can be processed from participant accounts. This blackout period, as indicated to the employer, begins the day we receive the Asset Transfer Request Form. We received this form from the employer on August 21, 2015, effectively beginning the blackout period.I apologize if there was miscommunication from the employer in regards to when the blackout period was to begin. Unfortunately, once the period begins we are unable to process participant requests. Participants must make any requests for withdrawals through the new provider. We did not receive paperwork for the rollover from Ms. [redacted] until September 9, 2015, which was after the blackout period had begun.With regards to the fund loss in the account, this is due to the participant chosen investment option, the Nationwide Money Market fund. The rate of return an fund prospectuses are available to participants to review before making investment decisions. [redacted] also provides access to a third party investment professional that is able to assist participants with making investment decisions. The rate of return for the money market fund is reported on the website, YTD of -0.64%. This information is readily available to participants before making a decision. Nationwide is not able to make recommendations, only perform exchanges upon request.The liquidation of the [redacted] account is scheduled to occur October 22, 2015. Once the transfer of assets to Paychex, Inc is complete, Ms. [redacted] can request the rollover of her funds to her IRA.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would begin. Should you have any additional questions or concerns regarding this matter please feel free to contact me directly at ###-###-####, weekdays between 8:00 a.m. and 4:00 p.m. Eastern time.Sincerely,Nicole T[redacted]