Nationwide

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

**                   [redacted]              [redacted]                       [redacted]                      [redacted]                      [redacted]       [redacted]                       [redacted]
  
To Whom It May Concern: 
Thank you for your recent inquiry regarding a complaint you received from [redacted].  As a Property Claims Manager, I have reviewed this claim file and would like to address [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know. 
[redacted] has a personal lines homeowners policy. 
[redacted] filed a claim on November 6, 2013 for hail and wind damage to the roofing system of her home. [redacted] is dissatisfied with our paying for a repair instead of a full replacement of her roofing system.  
The concern regarding the settlement amount for the damage to the roof 
Our physical inspections of the roofing system indicated the roof had normal wear and tear given the age of the system. We also noted a total of 8 damaged shingles on the home as a result of wind.  We found the roof to be in an acceptable condition which would allow for an appropriate repair. We paid for those damages less her applicable deductible. We did not find any hail damage to the roof.  
[redacted] mentioned damaged wood.  Our inspection did reveal wood rot and deterioration on certain areas of the soffit and eaves around the home.  We observed that the piping jacks and exhaust vents on the roof also showed signs of age and deterioration.  Our inspection concluded the jacks and vents are points of the entry of water intrusion on the home. These points of intrusion resulted in damage to the interior.  We paid for the damages caused by the water entering the interior of the home but we do not owe for the wear and tear observed on the pipe vents which allowed the water to enter the home.  These issues are related to regular maintenance of the rubber gasket on the piping jacks. A copy of the estimate is enclosed. 
My review of this claim revealed fair claims practices and confirmed that we are paying for the direct physical damage to the roof caused by a covered peril.  Under the insurance contract, we are responsible for the cost to repair or replace. See copy of policy language. We also paid for the damages caused by the water entering the interior of the home.  
Based on my review, this claim was properly handled.  However, I am sorry that the outcome was not satisfactory to [redacted].  We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me at ###-###-####.  
Sincerely, 
[redacted]
 [redacted]
Nationwide Mutual Insurance Company
###-###-####
[redacted]

We Purchased Home owners Insurance through Nationwide, they sent a person out to inspect the home insured us then sent us a letter that said we needed to add railing to the front porch of our home... this was during the holidays... But we made it happen... before the date the required in the letter they sent us... which stated January 12th we took pictures of the installed railing and sent them to nationwide and they day after we received cancellation notice dated the 7th of January. So we jumped through hoops as requested and got canceled anyway? Nationwide Is not on your side!

I switched my home insurance to Nationwide for the lower rates that they promised me. After providing me with every reason why I would receive better coverage at Nationwide and a cheaper rate I canceled my previous home insurance. Nationwide sent me my welcome package with information about my coverage but than a few weeks later canceled my home insurance because they said that where I lived was too risky. I had my last home insurance for 10 years with only one small claim filed. When I was signing up for home insurance with the Nationwide sales rep I provided all of my information including my home location and the one claim filed within the last 10 years with my previous home insurance .
When I tried to inquire more information about why my home insurance was canceled no one could explain in detail why my location or one claim filed within 10 years would be cause for canceling my home insurance. I feel like I was discriminated because I live in the inner city of Los Angeles. My home is within a secured gated community and was never burglarized within the 10 years I've been living here. If my location was a problem than they should not have solicited me to sign up with Nationwide home insurance in the first place.

[redacted] has been diligently trying to contact Nationwide the police report has been received by both parties & nationwide refuses to call back [redacted] at [redacted] to confirm that liability has been established.
Regards,
[redacted]

Please find attached blackout period notice from BCI Aircraft Leasing
Inc. which clearly states that the blackout period starts on September 20,
2015.  The law requires that 401k
participant be given at least a 30 day ADVANCE notice before any blackout
period starts so that he or she has sufficient time to take necessary actions.  In my case, it is to roll it over to my IRA
account.  The fact that Nationwide, as
the manager/administrator of the 401k plan, failed to wait for 30 days for plan
participants to take necessary actions to protect their 401k assets is an
obvious breach of its fiduciary duty and a violation of plan participants’
basic rights.
With regards to the fund loss in the account, the Nationwide
Prime Money Market fund managed by Nationwide imposes a 0.85% annual asset
management fee which is way excessive when the fund managers deliver a next to 0%
return on the fund.  By charging
excessive fees on a next- to-zero-return fund is a guaranteed way to lose money
by the plan participants.  During the two
months period, my account has been consistently losing money at 0.85% annual
rate.
If Nationwide is in doubt about the 401k participants’ rights, we
can have Department of Labor, IRS or the Justice Department get involved.
To resolve this matter, I request that Nationwide reimburse
me for all the fees imposed by Nationwide Prime Money Market Fund and a minimum
of $20,000 due to the loss of opportunity to participate in the stock market.  During the two month period that my funds
were held at Nationwide, the stock market has gone up more than 10% in which I
was not able to participate due to the serious delay of rollover.
 Please have Nationwide send the check to my IRA rollover account per
instruction below.
Make check payable to: [redacted]
Address: [redacted]
Regards, [redacted]

People should know what they are getting. Advertise 90% return on claims. Actually get back around 50%-60%. The numbers they use are way off. Pet had torn ACL lowest price was $2400, most vets charge $3000-$4000. VPI allocates $1200. Asked to give me the name of 1 Vet in the USA that will do the surgery for $1200 and they said they could not give those names out. They pay 90% of $1200. Very misleading and false advertising.

To Whom It May Concern:
Thank you for your recent inquiry regarding a complaint you received from [redacted]. As Customer Advocacy Complaint Coordinator, I have compiled the responses of [redacted] and...

[redacted]. If we do not provide the information you need for this matter, please do not hesitate to contact the appropriate Nationwide representative mentioned below.
[redacted] was issued a personal lines auto policy.
The concern regarding loss adjustment[redacted]
An unlisted driver on the policy, [redacted], was involved in an auto accident on December 25, 2013 in which the 1999 Honda CR-V we insure was damaged to the point it was considered a total loss. Our adjustor, [redacted], received the file on December 26 and worked with the policyholder to resolve the claim.
[redacted] extended the following settlement to [redacted] on January 7, 2014:
Actual Cash Value = $4,420.00
Sales Tax 6.00% + $265.20
Tag/Title Fee + $18.00
Subtotal = $4,703.20
Deductible - $200.00
Net Settlement = $4,503.20
This settlement was accepted and payment was made to [redacted] on January 22. This check has cleared.
The concern regarding the deductible[redacted]
As indicated above, [redacted]’s deductible applied to the settlement was $200.00 due to the vanishing deductible endorsement on her policy. On August 7, [redacted] mailed [redacted] a check for the full $200.00 deductible. This check has also cleared.
The concern regarding the agent’s handling of the policy[redacted]
In speaking with the primary agent of record, [redacted], here is the information with which he responded.
We have made several attempts to discuss [redacted]'s payments and concerns with her. On several occasions, we have confirmed the accuracy of her billing with Customer Service. Associate Agent [redacted] left a voice mail on her answering system, while customer service was on the line, for them to explain billing to her. When there was no answer, a voice mail was left to call billing to confirm what has been explained to her.
According to our confirmation with billing, her payments have been late. We have pulled billing and confirmed with her checks. It appears the dates on her checks are earlier but it is not for the current bill; customer service explains she is paying past due billing. We have sent our client copies direct from customer service's payment history. At one point we received a call from [redacted] Bank saying that there was a bank error concerning her account. Our system was charging her two months for the Bad Check plus a Reinstatement Fee. The bank has issued a letter of the error to Nationwide. We needed to reinstate the policy for what she paid and waive the Reinstatement fee.
The member asked agent [redacted] to change her billing account numbers which he did as she requested, however, he states that at no point in time did she ask him to rewrite her policy.
The concern regarding the cancellations[redacted]
In regards to both Auto and Home, the policies were cancelled effective July 17, 2014 due to Bad Check. However, both policies were reversed with no lapse in coverage due to receiving a letter from [redacted] Bank that there was fraudulent activity on the bank account.
Attached you will find a premium breakdown for both auto and home, along with a billing history and distribution of all funds received.
Thank you for bringing these concerns to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call B[redacted], [redacted] at ###-###-#### or email her at [redacted].
Sincerely,
[redacted]
[redacted]
Nationwide Insurance Company
#########
[redacted]

This letter is in response to the concerns filed by [redacted] regarding the cancellation of the Auto policy and the collection balance. The policy renewed July 17, 2015 with a premium of...

$3,370.60. A 2003 Benz CLK430 was removed from the policy effective August 4, 2015. This resulted in a decrease in premium of $1,681.00. Effective August 4, 2015 driver 2 was removed which resulted in a premium decrease of $33.40. Effective September 2, 2015 driver 2 was added and a 2015 Dodge Dart was added to the policy. This resulted in a premium increase of $959.50. Processed November 18, 2015, effective November 16, 2015, a 2003 BMW 330XI was replaced. This resulted in a premium increase of $73.60. Processed November 19, 2015, effective November 13, 2015, a 2015 Dodge Dart was removed from the policy. This resulted in a premium decrease of $515.70. Processed December 2, 2015, effective November 13, 2015, a 2016 Ram was added to the policy. This resulted in a premium increase of $807.80. On December 15, 2015 a bill generated for $1,191.89 due December 27, 2015 which included the changes in premium listed above that had not yet been billed in on prior statements. On January 5, 2016 a Notice of Cancellation was sent indicating we needed a payment of $1,191.89 by January 16, 2016 or the policy would cancel January 17, 2016. On January 15, 2016 a Balance due notice was mailed indicating the policy had cancelled for non payment January 17, 2016 and there was an outstanding balance due of $1,186.89 due by March 3, 2016. The January 17, 2016 policy renewal calculated at $3,946.50. Policy changes were made that added paperless discount and SmartRide discount, which reduced the renewal premium by $460.70, resulting in a revised renewal premium of $3,485.80.  The policy cancelled for non payment effective January 17, 2016. Upon the cancellation, the unearned renewal premium of $3,485.80 was removed from the balance, leaving $1,186.89 due for coverage provided during the July 17, 2015 renewal term to the cancellation date. A cancellation request form was received in the Agent’s office, indicating Ms. [redacted] request cancelled the policy effective January 22, 2016. The policy cancelled for non payment effective January 17, 2016. The request to cancel January 22, 2016 does not supersede the non pay cancellation on January 17, 2016. If you require further assistance, please contact our [redacted], Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Katie W[redacted]

[redacted] offer and response is clearly in bad faith.
[redacted] how do you justify:
1. Not including the options I mentioned, "FogLamps, DualRadio, Vcr, Television, RemoteStarter" in the settlement offer?
2. Not including the average of the adjusted value of the totaled vehicle determined by the comparison vehicles that your company found?
3. 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 right. Did you bother to read the explanation of my request?
Regards,
[redacted]

Nationwide charges me $8.00 a month because I mail my payment.I have never been late.I have been with them over 5years.I find it hard to believe that they are aloud to charge outrages processing charges for regular mail.

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

[redacted]       [redacted]     [redacted]  
This letter is in response to the complaint filed with your agency by [redacted] regarding the balance due on her Auto policy.
Our records indicate the named insured on the Auto policy was listed as [redacted] and [redacted].  When the policy was cancelled effective August 26, 2012 due to non payment of premium, a balance of $48.42 was left for coverage provided to the cancellation date.
There were two vehicles listed on the Auto policy at the time of cancellation, a 1998 GMC Sonoma and a 2006 Jeep Liberty.
We may be able to adjust or eliminate the amount due if documentation can be provided of other insurance prior to the cancellation date of August 26, 2012.  Please send documentation to [redacted]  or fax to ###-###-####.
I have included the Balance Due bill sent on August 31, 2012 for your review.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext.#########
 
Sincerely,
 
[redacted]
CSSS Customer Resolution & Response
Nationwide Insurance Companies

Some documents and photos were sent via UPS with hope they clarify some points.  I have hundreds of pages of work orders, receipts, photos (the tree branch [redacted] lifted with one arm), and correspondence with local and state government agencies.  The complete report is being compiled for FEMA as they have an interest in why my insurance provided no coverage.  I will cut to the sections I have sent via UPS.
Section #1:  AT&T report of tree branch hitting house.  Knocked box into an open position.  This box was damaged by impact.  This box was installed in August 2013 when I switched from Comcast to AT&T.  The technician came out, and installed new box on 9-22-14.  He left the damaged box on the air-conditioning compressor for [redacted] and [redacted] to see.  I did ask [redacted] and [redacted] to photograph this damaged box.  It was not included in [redacted] or [redacted]'s report.
Section#2:  Some photographs of my home taken during an inspection on 6-30-14.  These photos were given to Detroit Water and Sewerage, FEMA, DIFS, Nationwide; and shown to two representatives of Detroit Building and Engineering, City Council Representative from District 3 (who knows this property well), and to other agencies and people.  Many people and workers have been in this house.  My family consists of teachers, authors, nurses, business owners, surgeons, engineers, artists and other professionals.  This is a family home, and it has been maintained, and visited.
Section #3:  First picture is Laundry area on 6-30-14.  Second picture is result of water damage from area impacted by tree branch above.  Water came in cracks, and saturated the electric panel.  When the original panel was lifted, it was noted that the wall beneath was saturated.  Black spots on pink and grey areas of upper wall are mold bloom.  When Adjuster [redacted] visited property on 8-14-14, these wall areas were badly discolored.  By [redacted]'s visit on 9-3-14, the wall looked like this.  None of the photos I made [redacted] take are included in [redacted] or [redacted]'s reports.  Third picture is mortar effervescence.  Hydraulic cement had to be poured through the holes in the top of these structural stones to capture and eliminate the water that had filled the wall from above the level of the foundation.  These mortar joints needed to be ground out twice to eliminate the effervescence.  Also need for exterior excavation.  The water did not enter from the foundation.  The water entered through the center of the foundation from the large mortar cracks outside.
Section #4:  My backyard on July 1, 2014.  Second picture is part of the collapse of my stone and cement walkway.  Center of yard was a pool.  I could not get out of house because I could not walk through water to get to my car.  I am crippled in my left leg and foot.  When I told [redacted] and [redacted] about water lines on the basement windows, I did not mean there was water that high in yard.  There was nothing about grading or anything else about yard that would make water stand alone at that height.  The water passing through yard because of neighbor's re-grading was being blown up to wall.  But, I have had this discussion about static flooding in previous reponse.  Water damage to interior walls began four feet above ground as evidenced by staining around first floor bedroom window where bedroom floor was also soaked.
Section #5  Statements given to [redacted] about rear neighbor re-grading the back alley.  This re-grading caused pooling in center of back yard as well as torrent of water to west end storm drain of side alley.  Because side alley drain became overwhelmed, standing water was pushed through my side door by wind.  The epoxy floor installed in my garage in 2013 was also damaged by this side alley flooding.
Section #6:  Reports were filed with City Ombudsperson, Detroit Water and Sewerage, the City Assessor, and other agencies about the actions of [redacted] of [redacted] (the rear neighbor).  With great effort, I did walk [redacted] and [redacted] down my side of the street.  I pointed out to [redacted] and [redacted] that all of the garages on my side of the street were tilted because of [redacted] building a hill in the back alley, and running a ditch behind my neighbor's garages.  I did point out that all of the garages on the west side of the street looked like they were built in the last ten years.  I did add that many of those nice looking garages hadn't even been painted in the last 50 years...yet they look nice.  I did also walk [redacted] and [redacted] across the street to see what an alley grade should look like.  
Section #7:  The condition of my winter bedroom on 6-30-14.  The X marks the area that has yellowed.  This room was painted in 2012 with three coats as witnessed by [redacted] of [redacted].  The X also marks the spot where the tree limb was found.  It also is just above the AT&T box and electric panel.
Section #8:  Some [redacted] workers doing preliminary repairs.  They are re-attaching stones that fell off wall.  These areas were left to set up until 9-21-14 when Mr. Mortar returned to grind out discolored mortar.  These ground out sections did then have to sit for several days while exterior excavation began so water would be released from being trapped in wall.
Section #9:  Although Adjuster [redacted] was shown many areas of damage, he did not catalog, document or photograph.  Because of the unattended water in this back wall, great humidity developed in the basement.  This humidity caused both the buckling of this wood (this worsened as days passed...there are other photos), the bowing of the rear wall (structural stone), the bowing of the wall in the stairwall, and the cracking in the drywall.  [redacted] believed the house had to shift.  No-one else (including FEMA) agrees with [redacted].  This buckled portion was shown to [redacted] on 9-3-14.  I asked him to photograph it.
Section #10:  The [redacted] showed up on property on 1-25-2011 to inspect for Allied.  They did not like the trees, so I spent $2000 to have them removed.  Other than that, they found the house to be in "acceptable condition".  On the second page, they listed: "Reconstruction Cost w/o Debris Removal $254,349".  Pictures of this inspection show no issues with maintenance or "age and deterioration".  No issues are sited about "grading".
Section #11:  This is the Laundry area where mold broke out on upper walls and heavy discoloration happened to mortar joints.  Heavy plastic tarp was stapled and taped to both the ceiling and floor.  The masons needed to wear expensive mask equipment to do this job.  The vented glass blocks had to be opened with extruding fans placed outside of these vents to draw dust out while grinding took place.  There was one slit for exit where [redacted] stood at the time of the inspection.  There was no other way in or out.  This plastic came off a massive, continuous roll.  This area was only 6 feet wide as the area in front of the workbench was where the tarp was stapled.  The staples are still in the ceiling.  I am leaving them in place until FEMA comes back out.  I stood midway in this area where the X / arrow is placed.  [redacted] was at the XX, or far back corner.  [redacted] was supposed to be measuring the back wall.  When he activated his laser level, he directed it at a 30 degree angle away from the back wall, three feet above the area he was to measure, and directly into the corner of my left eye at the 8 o'clock position.  This laser beam pierced my eye upward from 8 o'clock position on the outside of my eye to 2 o'clock position of nose side of iris.  It felt like a needle had pierced through my eye, and despite my crutches, I nearly fell from it.  He said, "oops".
Section #12:  The section of my policy that I have asked explanation of since Adjuster [redacted]'s visit. 
Page 8 of 28 "Collapse".  The window well did collapse into the pipes of the laundry basin.  It was pushed back into place.  So much water flowed from above this area that the cement got saturated.  In [redacted]'s report, he shows one of Adjuster [redacted]'s photos of this area.  I am in the picture.  I am on platform crutches, and have a cell phone in my hand.  I did take photos of how this window well and attached structural stone lifted with no effort with the application of turning a putty knife.  I asked Adjuster [redacted] to photograph what I was showing him, but he, like [redacted], [redacted], and [redacted] must have just pretended to photograph as none of these things appear in any of their reports.  Several structural stones fell out the wall, and had to be replaced.  
Page 12 of 28 "Windstorm or Hail".  Adjuster [redacted] stated in his inspection report that the cause of my damages were "Wind".  Yet, I was only paid for sewer back-up.  There was an opening in my wall.  Mortar was missing.  [redacted] and [redacted] were told that the condenser cabling was inspected by Andy's ARS technician Eric on 6-20-2014.  That the air-conditioner condenser cabling was installed and mortared in 2010.  Yet, [redacted]'s report lists this missing mortar as caused by "age and deterioration".  It was four years old, and there is a big chunky hole there now.  I asked [redacted] and [redacted] to pull the stuffing out of the wall to see the depth of these cracks.  Why didn't I do it myself?  I am crippled.  Plus, these two men were absolutely ignoring everything I said to them.  Besides, there is nothing in this policy language about "old or new cracks".  It just says an opening in the roof or wall.
 AT&T recognizes that something impacted their equipment.  [redacted] and [redacted] brag that [redacted] could lift the branch with one hand.  I have photos of a tree branch that is at least 12 feet long.  Laws of physics would dictate that [redacted] would need two hands to actually lift.  In another report (either Revdex.com or DIFS), [redacted] says [redacted] could"pivot" the branch with one hand.  That is entirely different than "lifting".  The way the wind was blowing on August 11, a penny could have hit the wall and damaged it.  My policy does not state how or why an opening in the wall exists, but it does state that I have coverage if wind drove water through an opening.
Page 9 of 28 "Decay that is hidden from view".  I did not know of a mortar issue.  Andy's ARS didn't know of a mortar issue.  There is a second picture in [redacted]'s report that was taken by Adjuster [redacted].  It is of the rear of the house.  Had I seen this photo sooner, I would have discovered the tree branch sooner.  There was no big bush in the right hand corner by the damaged bedroom window.  the area surrounding the compressor was always kept clear.  Of course, the first month after this storm, I could not leave my house as my wooden side door was so swollen from humidity that it would not close.  I had to remain in a house where I had no hot water, could not cook, had no air conditioning and no laundry.  I developed a bronchial infection, and when I thought things might start to get better, I get shot in the eye with a laser level.
Sections #13, 14, 15:  [redacted] and [redacted]'s reports in which I noted that everything I told these men was completely ignored.  Half of what I asked to be photographed was not included.
Section #16:  What my leg looks like when I am forced to be on my feet for longer than I can physically endure.  
Partial Summary (I am conserving my energy and documents to be presented to FEMA in entirety):  My home was not livable for the first month following this storm.  The heat and humidity were unbearable.  I could not cook because I had no hot water.  I could not bathe.  The house could not be secured because the side door was swollen.  I lost at least 10 pounds which did not help me.  The only weight problem I ever had was trying to keep weight on.  During that time, I spent money and did all the work I could manage myself to keep further damage from happening.  With two exceptions, everyone I hired treated me with kindness and compassion.  [redacted] and [redacted] are one of the exceptions.
As the weather turned cold, the house was unbearable to me.  I am anemic.  I also feared pipes might freeze as several nights were at freezing temps. I spent $1000 on space heaters, but they didn't help much.  Because of repeated attempts to control fungi bloom on upper walls, I could not justify having the furnace installed.  Applications of hydraulic cement had to be applied.  If it bloomed, it had to be chiseled back off, and re-applied.  Week after week, I had to postpone the furnace installation.  I did not have heat until October 23.  The washer / dryer could not be installed because of the wall behind their placement.  All effort was directed at that wall.  The washer / dryer were installed on October 24.  However, the side walls are still not controlled completely.  Until these side walls are abated, the alarm box cannot be placed back on the wall.  Once again, I have to make sure that someone watches the house when I go out.  That usually costs me money.   Through this entire time (August  11 to October 20), I had to spend 4 hours twice a week at a laundromat, on crutches, to wash only the basics.  
The mortar grinding (despite the heavy tarps) caused such a dust through my home.  I had the ducts cleaned, but need an additional cleaning as running the furnace is an important step to duct cleaning. The carpet through my home is filthy.  It is 7 years old at most.  The humidity of the earlier time has caused the whole house to have a sticky yellowness to it.  All of my upholstered furniture was purchased in 2013.  I told you before that every room in this house was painted in the last four years.  Now everything in here is filth.
Daily work crews have been here for over two months, and there is still so much to do.  I have spent the little time I have to contact all of the people who have worked on this house.  They are all willing to give their professional testimonial to the condition of this house and property.  I have never known such exhaustion or desperation.  I was a teacher for 35 years, and have three graduate degrees.  My father and I ran an engineering company together for 33 years.  With all my experience with people, I have never met the likes of [redacted] and [redacted].  They have not been nice or helpful.
I do not appreciate [redacted]'s repeated abuse of me or my family's name.  I could call [redacted] some names myself, but as a teacher, as a Roman Catholic, as a human being, I truly believe that such nonsense has no place on this earth.  Life is hard enough, [redacted].  Your foolishness is revolting.  Regards,
[redacted]

Thank
you for notifying us of your complaint. We strive to provide our customers with
the best possible service, and when a customer feels that we failed to meet
their expectations, it’s important for us to know.
We’re
sorry that you received service that prompted you to contact us with...

a
complaint, and we regret any inconvenience or frustration that this experience
has caused you. To ensure that our staff conducts itself in a manner that
reflects the high regard that we have for our customers, we always review them.
I’ve reviewed this complaint with the technicians that were involved with your
service as well as with our Service Manager. I sincerely apologize to you for
the mistake our technician made when servicing your furnace on 1/7/2016.
As
you stated the weather was cold. I would assume this was not any colder than
past winter conditions. I want to ask why you did not call us sooner and request
service because you were experiencing a problem with your thermostat or with your
heating before 1/18/2016. The use of the space heater(s) possibly would not
have been needed and then possibly the electrician would not have been called
out. I will not go into the issue of how the circuit breaker got tripped and
how the circuit was over loaded.
In
general, our policy for the customer’s request to cover another company’s work
has always been with a negative response for an array of logical reasons.
I
will concede a concession in your situation due to your history with us. The
$124 will be shown as a reduction on your next renewal of our Service
Agreement.
Our
customer’s patronage is important to us, and we sincerely apologize for not
meeting your expectation of quality service.
Thank
you again for bringing these matters to my attention.
Sincerely,
 
Mark
Favret
President

Please find attached our response.
Thank you.
Revdex.com Note:  Business provided spreadsheet of policy history.

Dear [redacted]:
 
This letter is in response to the inquiry received from your office on March 25, 2015. 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, 2015 to further discuss the basis of our decision; unfortunately, we were not able to reach an agreement with her. This 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]

Promised a $200. sign-up bonus twice and denied both times sating rules were not adhered to and the process needs to be repeated, a 3-4 month process. Be more straightforward and honest please.
Don't trust this firm.

Everytime I called the customer service number at ###-###-####, the representatives are really rude and inconsiderate. In the beginning they seem nice but as you describe the issue and try to understand something from them, their attitude is "our way or the highway." Never recommending anyone to deal with this insurance. They also rip you off when you cancel the insurance especially if you are receiving a bundle discount. They calculate in a way which benefits them a few dollars out of your pocket. They took extra $25 from me and when I asked for explanation, they said that's how they calculate the cancellation. I didn't want to argue because it was just wasting my time. I can use that time and make more money.

:if this information provided was true, and I was quoted as a 25 year old on March 2014, why wasn't my insurance lowered for the fact of me being quoted as the new age of 25. I was informed by the same agent that you all referred to get the information that was given to me. He stated to me that the only time my premium will go down again, is when I turn the age of 25. With that being stated, after the good student discount was be removed, the 25 and older discount should be applied in which my premium should be lower than what I have ever payed. Ultimately nothing can be done, as I have decided to withdraw myself from this company. My quote with [redacted] was proven to show a substantial difference in what I was paying with Nationwide. My last day of being apart of Nationwide was 05/22/2014. This company was too inconsistent, and proved to not value its customers whom have been long term. The amount of time spent to rebuttal my claim with the Revdex.com, could have been the time spent to satisfy the customer. I am completely disgusted with the way information is provided, in which it seems to vary from agent to agent, instead of being consistent across the border. Revdex.com, I would like for my complaint to go on file, in which to affect the company's overall rating with the Revdex.com. I wish to no longer be contacted by Nationwide in the future, for the simple fact that I was treated very unprofessionally, which made myself feel unworthy of carrying this company's insurance.
 
Thanks Revdex.com for trying to mediate the differences with myself and the company!
Regards,
[redacted]

I am fairly new to Nationwide Insurance. I recently called Nationwide and someone by the name of Brandon answered the phone. He was rude and spoke down to me. I asked to speak with a supervisor and was told that there were none. I had to ask several times to be placed on hold for another agent. I have never experienced something like this before. I am not sure if this is how business is done because this is a larger company but I am very disappointed and insulted by this experience.

There was no new damages to the 2013 Toyota Prius, This was poor workmanship from [redacted] Auto Body. There hasn't been any sufficient proof to this claim, the Nationwide Claims manager showed up to [redacted] Auto after the car was taking apart and didn't witness any new damages. The Nationwide manager does not have proof of the claims made to this being new damages. I've requested several times for a representative of Nationwide to be present during the taking off of the bumper however they always show up afterwards the next day after the body shop has had the vehicle in their possession for 24 hours to hide evidence of their poor work and make it appear to be new damages. I've notified Nationwide several times that [redacted] Auto Body continues to try to repair the car and I receive it in poor workmanship. The damages from the auto accident should have totaled the car out yet [redacted] Auto Body tried to repair it and the car can't be repaired properly because of the severe impact.
[redacted] Auto repaired the bumper and trunk lining which Nationwide agreed that the trunk lining was repaired in poor workman ship but failed to make note of this. The bumper is still not repaired in factory quality. Oscar at Nationwide was notified and no one from Nationwide has come out to see the final repairs. I was told by Oscar to turn the car into Toyota and let Toyota contact Nationwide with any concerns. I am not satisfied with the dishonesty from [redacted] Auto Body and the non-factual statements from Nationwide. I was spoken to very poorly by the body shop with an aggressive manner until I filed and Revdex.com report. Everyone has been nice to me since filing an complaint through the Revdex.com however the  truth has not been told and the bumper remains to be not repaired properly. [redacted] Auto Body has repaired the bumper 3 times already they claim this was an new accident a