Nationwide

Still not fair price at all! (I have shoped).
Would take 14,350.00. Will accept (not be happy) but accept
Want 16,086 like Blue Book value
They have put me throug (word rejected)
Could not find car with miles on car I have under $14,550. It was wrecked guy said. That was cheapest.
Regards,
[redacted]

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

[redacted]                                      
I am in receipt of the Revdex.com complaint from [redacted]
I am providing you with the following information:
·         November 2013 Bill
·         Notice of Cancellation
·         Collection Notice
Policy ######### cancelled for non-payment effective December 20, 2013.
On October 30, 2013, a bill was mailed to the address on file advising a payment of $269.40 was due by November 23, 2013.
On December 3, 2013, a Notice of Cancellation was mailed to the address on file advising of the $269.40 that was due, and advising that the payment was due no later than December 19, 2013 to continue coverage.
Unfortunately, a payment was not received; therefore, the policy cancelled for non-payment effective December 20, 2013, and a collection balance of $140.23 remained on the account for coverage provided up to the date of cancellation.   
On December 27, 2013, a collection notice was mailed to the address on file advising of the $140.23 final balance due on the policy.
Unfortunately, proof of insurance was not located for [redacted], so  therefore, if [redacted] provides a [redacted] Declaration page showing the effective date of the policy, we will be more than willing to adjust the cancellation date, and reduce or remove the collection balance. Please feel free to fax the information directly to Christina Long, at ###-###-####. We apologize for any inconvenience this may caused.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
###-###-####, ext. #####
Nationwide Affinity Insurance Company of America

This letter is in response to a complaint received from [redacted] on April 21, 2015 regarding notification for his GAP claim. As the insurer, we have a duty to advise [redacted] of all coverages available on his policy pertaining to the claim submitted. This claim involved...

payment for the loss of his vehicle and he was advised of all coverages available on the policy pertaining to this claim. The GAP claim is a separate claim and would be initiated by [redacted] with his GAP carrier. Nationwide Insurance had no duty to initiate or advise [redacted] on the handling of his GAP claim. Additionally, we had no information regarding any GAP coverage he may have had available to him.  The paperwork required to issue payment to [redacted]’s lien holder was not received from [redacted] until April 2, 2015. Upon receipt of this paperwork, payment was issued on April 2, 2015. The lien holder would require payments to be made timely until the loan is paid in full which would be [redacted]’s responsibility. There was no delay in the handling of the claim or processing of the payment by Nationwide Insurance.The files shows that [redacted] inquired about documents needed for his GAP coverage claim on April 7, 2015. He was advised that he already had all the documents the GAP carrier would need to process his claim. In conclusion, there was no negligence by Nationwide Insurance resulting in the additional expense stated by [redacted]. The only delay in the claim was in obtaining the title from [redacted] so payment could be issued. Once we finally received the title, payment was issued the same day. Please let me know if I can be of any further assistance regarding this matter.Thank you,
[redacted]###-###-####

I am writing in response to the above referenced claim filed by [redacted].  Ms. [redacted] has issues with the...

repair estimate written for her vehicle by Nationwide claims associate Catherine R[redacted].
 
On June 10, 2015, Nationwide claims associate, Catherine R[redacted], met with Ms. [redacted] at her residence and wrote a damage estimate for her 2003 Pontiac Montana.  Catherine reviewed the estimate with Ms. [redacted] and provided her with two copies. Catherine explained to Ms. [redacted] that one copy was for her and the other was to give to the repair shop of her choice. Catherine explained the repair and rental processes and that Ms. [redacted] will be provided a rental vehicle while her van is in the shop for repairs.  Catherine told Ms. [redacted] that if the shop finds additional damage or cannot repair her vehicle properly based on the estimate, the shop would contact Catherine and it would be addressed as a supplement estimate.  Catherine issued a check to Ms. [redacted] for the amount of the repair estimate.
 
Later that day, Ms. [redacted] went to [redacted] and asked Mr. [redacted] to write an estimate on her vehicle.  After Mr. [redacted] wrote an estimate, Ms. [redacted] showed Catherine’s estimate to him.  Mr. [redacted] explained the supplement process to Ms. [redacted] and that he has worked with Catherine previously and any additional repairs would be addressed.  At no time did Catherine R[redacted] contact Mr. [redacted] to have him adjust his estimate as Ms. [redacted] alleges.   Ms. [redacted] was not denied a rental vehicle.  There is a note in the file by Enterprise Rent a Car employee, [redacted], on June 10, 2015 that Catherine R[redacted] set up a rental for Ms. [redacted]. It is Nationwide’s position that if [redacted] or any other shop finds additional damage to Ms. [redacted]’s  Pontiac or cannot properly repair it based on Catherine’s estimate, they can contact her and Ms. [redacted]’s vehicle will be repaired to the condition it was in prior to the accident. 
 
If you have any further questions please feel free to contact me.
 
Sincerely,
 
Mike M[redacted]                                           
 
PH ###-###-####
E-mail: [redacted]

[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.
Ms. [redacted] initiated an Auto policy in [redacted] effective July 31, 2003.  This policy has been serviced by the [redacted]nsurance Group in [redacted].  This agency is not licensed in [redacted], so they are unable to service the member for a new policy in that state.
The notes on the policy state that [redacted] attempted to make a policy change on February 26, 2014 via the internet; however, the change could not be processed due to the vehicles being garaged out of state.  [redacted] was advised to contact her local Nationwide agent or call ##### (###-###-####).  The notes state that she called the Service Department and was transferred to the [redacted]nsurance Group for additional assistance.  The agency submitted a request for the Auto policy to be internally transferred from [redacted] to [redacted].
On March 6, 2014, a note was placed on the [redacted] Auto policy advising that an internal transfer of the Auto policy from [redacted] to [redacted] could not be completed.  The states are located in two different regions and need to be written in two different Nationwide companies.  The [redacted] policy is written through “Nationwide” where as the [redacted] policy would need to be written through “Allied” appropriately.  The notes states that a communication was sent to Nationwide’s retention team to assist the member with this request.
An outbound call was made to [redacted] on March 20, 2014 by a Retention agent regarding the transfer of the Auto policy.  A voicemail was left congratulating [redacted] on her move to [redacted].  The agent advised that her policy was ready, but a returned call was requested to discuss the premium and make the member aware of some changes on the Auto policy.  A returned call from [redacted] to discuss the finalization of the Auto policy was not identified.  In the meantime, [redacted] continued to make policy changes online and worked with her local agent in [redacted] per additional notes on the policy.
The Auto policy renewal date was January 31, 2014 and was cancelled effective July 26, 2014.  During this time period a total of $607.41 was charged for coverage provided.  A total of $529.15 was received in payments and three $3.00 service fees were charged.
The total charged of $607.41 plus $9.00 in fees minus $529.15 total payments received equals $87.26.  A balance due bill was sent on August 1, 2014 which we have included with the response.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext. ####
 
Sincerely,
   [redacted]

Nationwide is my homeowner's insurance carrier at this time and unfortunately dealing with Nationwide has been the worst Insurance experience I have ever had. 4 weeks ago I had a large tree fall on my home and Nationwide has done nothing but drag their feet and make excuses and delays even though the claim is valid and I have coverage. As a result I have a home with a destroyed roof and ceilings inside the home and no results as of yet. I contacted the Nationwide customer advocate and never heard a peep back. Next step is to file an actual Revdex.com complaint and a complaint with the insurance commissioner for my state . Absolutely would not recommend using this company for insurance

[redacted]
 I spoke to Agent [redacted] and he has issued policy number ######## with an effective date of December 13, 2013. [redacted] initiated the policy when [redacted] came to his office and brought the signed paperwork. [redacted] stated that he has email confirmation from Agent [redacted] regarding receipt of his paperwork on December 13, 2013, but Agent [redacted] did not have knowledge of the email, and said that his agency responded quickly when [redacted] provided what was needed to initiate coverage.  Agent [redacted]’s main concern was to make sure [redacted] was insured, and was able to take care of getting the new policy backdated to the cancellation of his first policy.
 The credit from [redacted]’ commercial tenant policy was applied to policy #####, so no additional money was required to begin the policy. Date of cancellation for the commercial tenant policy was effective December 13, 2013. 
Based on our review, this policy was properly handled.  If you should have any questions or wish to discuss the matter further, please feel free to call me at ###-###-####.
Sincerely, Office of Customer Advocacy Complaint CoordinatorNationwide Insurance Company###-###-####

Nationwide is asking for something that is not possible.   I do not have paperwork from 2 years ago from my previous warranty.  Nationwide is using this unreasonable and unrelated contingency that requires me to provide paperwork  for another warranty company in order to honor the policy that they sold to me.    What they sold to me is the issue and what other companies provide or do not provide is merely a side bar and an excuse to try to not honor their word.  What happened to the "Nationwide is on Your Side"  motto. 
[redacted], the Nationwide/Allied insurance agent that sold me the policy admitted that he sold it to me as he understood it to be, a replacement policy.  Even the insurance agent stated that he was on my side with this whole fiasco.  Do the right thing Allied/Nationwide. 
Regards,
[redacted]

This letter acknowledges receipt of your correspondence dated January 5, 2016, and we provide the following:
We investigated the concerns raised by our insured. We found their coverage issue valid; the company issued a correcting endorsement with our payment to resolve their...

concern.While our records do not reflect the sentiment of our insured as it relates to unanswered telephone calls, we are sorry our customer service did not meet expectations. We continually remind/train our staff of the importance in returning telephone calls in a timely and courteous manner.
Should you require any further assistance in this matter, please contact [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]
Thank you,Jennifer V[redacted]
[redacted]

[redacted] 
[redacted]
[redacted]
[redacted] 
Thank you so much dear Ms.[redacted]  for your time and concern regarding my complain against Nationwide car damage settlement decision. 
Actually after all what I explained and all the documents I submitted in my previous responses, I have no any word to say! this is just a repeat of the same discussions and arguments that took place between me and Nationwide over the 2 weeks after the accident day on Feb. 20th 2014.
As you can conclude from Nationwide response that their price estimation for my wrecked car is OBLIGATORY OFFER! and I must accept what they offer me without argument??? this is what actually happened from Nationwide! my concern is that I have no objection on whatever their estimated price or market value for my wrecked car I AM ONLY CONCERNED ABOUT GETTING A SIMILAR CAR FOR THE SAME PRICE THEY OFFERED ME AND THAT IS IT! I repeatedly told them many and many times that there is not used car similar to mine regarding year, make and millage for the same price? and I contacted the dealers that they sent me in their price quote and the cars shown in that file WERE NOT EXISTED!! I wished to get any of these cars for the same price that they offered to me as a compensation even if they offered me 1 Cent value!! But what practically happened is that I Paid about $5,000 above the price that they offered to me to hardly get another old used SUV with almost same year and millage like my wrecked car. 
At the end, I do not accept or agree that they offered me a fair value for my wrecked car and they caused my a financial damage due to the car accident caused by their insured person at his fault and I consider their deal with my case as some kind of obligatory offer that does not accept any argument and this is totally unfair!. They had neither helped me to get another similar as all the cars shown in their price quote were not originally existed, nor offered me a fair value to buy a similar car.
Thanks again Ms. [redacted] for your patience and time with my complain.

Thank you for all that you do. Nationwide has sent me a check today of $1,056.42 which according to them is 75% of their own estimate of $1,408.56. At first when I gave them an estimate it was $2155 from the mechanic that my insurance sent me to. Their own is far less than that. However, I asked them to please go and fix the car since their own estimate is lesser. The 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 mechanic.
Kindly help to resolve this with them as they refusing to respond to me.
Thank you,Sincerely,[redacted]

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

[redacted]                         [redacted]
[redacted]                       [redacted]  
This letter is in response to your inquiry dated May 19th, 2014, regarding the specific reason(s) for policy cancellation. 
A claim was filed on Policy #######  for [redacted], relating to an incident on 2/16/14.  During our claim investigation, it was discovered A) the vehicle (2003 Nissan) involved in the incident and listed on our policy was not registered to our named insured and B) an undisclosed driver was operating the vehicle.  Due to no financial interest in the vehicle being covered under this policy and an unlisted driver operating the vehicle, this policy was cancelled effective 05/05/2014. The balance due of $27.80 reflects premium owed up until the date of cancellation.  Attached please find a complete Premium and Payment History for the policy.
       
If you have any further questions, please feel free to contact [redacted] at ###-###-#### between the hours of 8:00 A.M. and 4:30 P.M., Monday through Friday.
Sincerely,
[redacted]
[redacted]

A.  Again I am requesting to have my claim settled by a different Nationwide district where I can obtain prompt, courteous, respectful service? 
B.  In addition, I am asking when will my claim for the fire damaged ADT system and range hood replacement be paid?  I submitted replacement cost for both?
Below are Nationwide’s comments (in black) and my responses in blue.
According to Nationwide, my claim is still under investigation.   My question is: What is being investigated?  Is there feedback regarding this investigation that has ongoing for 9 months now? 
According to Nationwide, they have retained legal counsel who is communicating directly with Ms. [redacted].  My response: Nationwide’s attorney is a part of Nationwide’s team, so did Nationwide really retain legal counsel or merely get help from their legal department?
According to Nationwide, they are requesting documentation in accordance with the terms and conditions of the insured’s policy?  My response: What documents?   I have given Nationwide a copy of my policy, a copy of the quote/bill, a copy of my property deed and a copy of my lien release.  Please specify what other documents are needed that you are referring to?
According to Nationwide, they are only asking me to comply with the policy conditions.  My response: I have complied with every request currently.  What specifically does Nationwide need?  Please be specific; I am willing to comply?
Again, below are the events and facts of my claim which is still open where payments are still delayed.  Please let me know if there are further questions/concerns/or evidence needed to substantiate any statements I have made?  Again thanks for your time and consideration.
September 2014, I Phoned Nationwide to report an electrical home fire and submit a claim.
I protected the property from further damage.
Located a contractor for repairs
Many damages were repaired/ but some were not (the ADT alarm system, range hood, in-wall damages)
Nationwide failed to come to the home prior to the repairs even though they were notified.
Nationwide reached my home days later during the repairs.
A quote/bill for the damage repairs was submitted, but rejected by Nationwide.
I Allowed Nationwide to send in a 2nd contractor to verify damages and the claim – [redacted] was brought in by Nationwide (this quote agreed with quote/bill I submitted yet the claim wasn’t paid)
Nationwide stated I didn’t own my home based on Nationwide’s investigation.  I submitted proof of ownership to Nationwide – Nationwide rejected the proof (my lien payoff and deed) and set the policy for cancellation.  Nationwide later reinstated the policy due to faulty investigation methods.
Nationwide ask me to submit to, an examination under oath.  I agreed (on any given Saturday).  Nationwide never contacted me back.
Nationwide now wants to send in an electrician to assess damages AGAIN
I agreed. (Nationwide has yet to set a date with me to have this electrician visit the property)
Nationwide now wants an examination under oath again.  I agreed to the examination - June 13th. 
Now, I am asking Nationwide to turn my claim over to a different district so that it will be handled promptly and professionally?  Thank you.
Sincerely,
[redacted]

Dear [redacted]
tab-stops: 27.0pt .5in" class="MsoNormal"> 
I am in receipt of your email dated June 29, 2015.
 
I am providing you with the following information:
 
·         Policy Declarations
·         Billing Statement
·         Notice of Cancellation
 
Policy [redacted] renewed effective February 28, 2014, with a term premium of $471.30.
 
On April 7, 2015, a paperless bill was emailed to the policyholder, at [redacted], advising a payment of $78.55 would be drafted from his bank account on or around May 1, 2015.
 
On April 30, 2015, the May 1, 2015, draft was suspended per the policyholder’s request.
 
On May 7, 2015, a Notice of Cancellation was mailed to the address on file advising a payment of $78.55 was due by May 25, 2015, in order to continue coverage.
 
A payment was not received and policy [redacted] cancelled effective May 26, 2015.
 
I reviewed the call that transpired on May 26, 2015.  The policyholder called the service center regarding the Notice of Cancellation he received.  The service representative advised the policyholder that the policy was in the process of cancelling but advised the policy was eligible for reinstatement until June 25, 2015, with a payment of $142.02.  The policyholder stated he would not be able to make the payment "today" but he would be able to make the payment on Friday.  The service representative advised making the payment on Friday would be fine but explained the policy would remain cancelled until it was reinstated.  The service representative advised the policyholder that he could request a new due date once the policy was reinstated, explaining if the policy was reinstated on Friday, then his new due date would be the 29th of every month.  The policyholder asked if there would be any penalties. 
 
 
The service representative advised the policyholder that he would have a lapse in coverage and we would notify the [redacted] Department of Transportation ([redacted]DOT).  She explained some states have penalties for lapses in coverage and advised the policyholder to contact [redacted]dot to discuss any fines or penalties.  The service representative also explained that with the lapse in coverage, he may no longer qualify for certain discounts and explained the premium could change.  She explained that we would not know what the new premium would be until the policy was reinstated.  The service representative did not advise the policyholder that there should not be a dramatic increase in premium if he paid the following week or because the lapse in coverage would be less than a month.
 
I reviewed the call that transpired on May 27, 2015.  The policyholder called the service center regarding the cancellation of his policy and the payment required to reinstatement the policy.  He asked if he could set up a pre-authorized post for the following Saturday.  The service representative explained that we could not accept post dated payments and advised the amount needed would be $142.02.  She advised the policyholder that he had until July 25, 2015, to make the payment, otherwise, the policy would not be eligible for reinstatement.  The policyholder asked if he would have a lapse in coverage once the payment was made on Saturday or if the policy would continue as if nothing happened.  The service representative explained that he may incur a lapse surcharge but underwriting would determine if the surcharge would be added or not.  The policyholder stated he was just wondering because he knew there may be a charge for a lapse in coverage.  The service representative explained that he did not have any previous lapses in coverage but she could not advise if he would incur the surcharge or not.  The service representative did not advise the policyholder that there should not be a dramatic increase in premium if he paid the following week or because the lapse in coverage would be less than a month. 
 
I was unable to locate any additional calls until June 6, 2015.  The policyholder called the service center regarding the reinstatement of his policy.  The policyholder was advised that our systems were down so we could not process any payments.  The policyholder was asked to call back around 7:00 AM.
 
I reviewed the second call that transpired on June 6, 2015.  The policyholder called the service center regarding the reinstatement of his policy.  The service representative confirmed the May 26, 2015, cancellation and advised the policy was eligible for reinstatement with a payment of $141.45.  He explained the payment would reinstate the policy effective "today".  The service representative explained there would be a lapse in coverage from May 26, 2015, to "today".  He advised the policyholder that if there were any fines or fees from [redacted]DOT, he would be responsible for satisfying those.  The service representative also explained the premium could change with the reinstatement.  He advised the rate could stay the same, be less, or be more, explaining any rate changes would be due to the lapse in coverage, advising continuous coverage generally produced a lower rate.  The service representative also advised if there had been any rate changes, accidents, or violations, the premium would change.  He explained that he could not advise of the new rate.  The service representative explained once the payment was received, it would go to underwriting to finish the reinstatement process, and then the policy would be released.  The policyholder asked if the week lapse would impact him negatively or since he paid it in within a week, would it matter.  The service representative explained a lapse of less than 30 days would allow the reinstatement of the policy and a lapse greater than 30 days would require a new policy.  He explained anything over a one day lapse in coverage could impact the rate, advising anything over 30 days would have a greater impact.  The service representative explained he could not advise of the impact the lapse would have on [redacted]DOT.  He advised what had happened was pretty minor and while we did not like seeing a cancellation/reinstatement, it was nothing super detrimental.  The service representative obtained the policyholder’s bankcard information and proceeded with taking the payment.  The policyholder asked if the account would be set up on automatic draft.  The service representative advised the automatic payments would resume once the policy was reinstated and advised his new due date would be the
 
6th of every month.  He advised the policyholder that the next draft would take place on July 6th.  The service representative encountered some system issues while attempting to process the payment
and the policyholder had to provide the bankcard information again.  The service representative was able to process the payment and emailed the payment confirmation to the policyholder.  The service representative advised the policyholder that he would receive an updated Declarations showing the policy term from June 6, 2015 to December 6, 2015.  He explained the policy was staring over with the same coverages, same policy information, and same policy number, advising only the effective and expiration dates would change.  The policyholder asked what he should do if he was stopped by a cop.  The service representative advised he could use the prior information because the policy number and vehicle information would be the same.  He also advised the policyholder that if something happened, the officer could call the service center to confirm the reinstatement of the policy.  At the end of the call, the service representative advised the policyholder that the next payment would be drafted on July 6th.  The service representative did not advise the policyholder that there would not be a dramatic increase in premium since he paid within a week or because the lapse in coverage was less than a month. 
 
On June 10, 2015, policy [redacted] reinstated effective June 6, 2015, with a term premium of $679.70.  Per our underwriting guidelines, since Mr. [redacted] had been a policyholder of Nationwide for less than one year, a lapse in coverage surcharge was added to the policy.  The addition of the lapse in coverage surcharge resulted in the removal of the Accident Free Discount as this discount is not applicable when there is a lapse in coverage surcharge on the policy.    
 
On June 18, 2015, a cancellation request was received from the policyholder and forwarded to our retention team to handle.  At this time, the July 6, 2015, draft was suspended and the billing account was changed from recurring draft to direct bill.  On June 26, 2015, an outbound call was made to the policyholder, at ###-###-####, in order to discuss his request.  A message was left advising of the receipt of his email requesting the cancellation of the policy effective July 6, 2015.  The retention representative advised of the need for a cancellation document with the policyholder’s signature and explained the form could be emailed to him and signed electronically.  The retention team contact number was provided.  There are no notes indicating that the policyholder called the retention team regarding the cancellation of his policy.
 
If the policyholder wishes to cancel policy [redacted], he will need to contact the Customer Service Center, at ###-###-####, which is open 24 hours, 7 days a week, in order to complete the required Cancellation Request Form. 
 
If you require further assistance, please our Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted].
 
Sincerely,
 
[redacted]
Member Solutions – Shared Services
Customer Resolution & Response
Nationwide
###-###-#### Ext. [redacted]

[redacted]
 
 
[redacted]
[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 his Automobile policy.  Our records indicate on February 11, 2014, his [redacted] policy was cancelled as a transfer request for an effective date of January 30, 2014.  On February 18, 2014, the remaining credit of $38.36 was transferred from the old [redacted] policy to the new [redacted] policy.
The [redacted] policy released on February 13, 2014, for an effective date of January 30, 2014. at a premium amount of $605.80 for the 6 month term.  Attached please find a copy of the Policy Declarations provided at that time.  The policy cancelled effective February 19, 2014, at the request of the policyholder.  The balance due of $29.14 reflects premium owed from January 30, 2014, until February 19, 2014.
If the policyholder obtained alternate insurance prior to February 19, 2014, please provide documentation and the policy will be adjusted accordingly.
Please feel free to contact me with any questions or concerns.
Sincerely,
[redacted]
Nationwide Insurance Companies
###-###-####, Ext.####
[redacted]

First;y: 
Concerning the Vehicle : 
It is not safe for me to be driving the same vehicle.  
The thieves from an organized crime group have all information of the vehicle, keys and remotes and additional information.
The have the same keys that I have. 
Ms Little mentioned that I do not have to pay car insurance deductible  since it is covered in my home insurance.  
Earlier Ms Tara said, I have to pay the deductible. 
Why is there a conflict among both the statements? 
Please note that the vehicle is my personal property. 
I have upto 400,000 coverage as per my agent. 
why am I being denied to use my coverage????
Secondly on the House Invasion: 
1. Today is Feb 17th 2016. It is almost one month since the burglary happened. 
The first adjuster (Mr Ernie)  that came to the house was yesterday., Feb 16 2016. 
Ms Melanie G[redacted] has officially rejected damages that happened to the house. 
There were a broken pipe causing water leak, sprinkler damages, walls being torn with some kind of tool, doors being pushed around causing damage . The patio glass door which was a double glazed door shattered causing the ceiling and perpendicular wall to crack.  There was a glass door that was broken. That area had to be secured.  
Insurance did not send anyone immediately. I had to ask [redacted] company to secure the door, so that rodents, rain, garbage may not enter the house. 
I had to stay at a cousins place until the bare minimum was fixed for me to move back. 
There were emergency contractors that I had to initiate to bring the house to the state that I could live in. 
Now I  am being told Nationwide will not cover for the damages. 
She is claiming that if items were not stolen from the garage then the garage wall will not be fixed.  ( Photos of the whole house have been emailed to her. ) 
There are witness that have claimed rummages all over the house including garage, restrooms, bedrooms. The whole house was gone through by the robbers. 
[redacted], Officer [redacted] husband are witnesses that items were rummaged in garage and rest of the house.  IMG _1592 is of the closet in the master suite, IMG 1580 : picture of bags taken from garage thrown in family and rummaged.. ( cheque books missing) IMG 1579 : Downstairs room rummaged ( watches stolen) 
IMG 1646: picture of empty watch boxes upstairs)
2. I do not have any paperwork from the assigned contracted who is supposed to do the work. I have an estimate. 
3. A police report was filed immediately. Report number [redacted]
Regards,
[redacted]

Please accept this letter in response to Mr. [redacted]’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contract. I hope you’ll find this information helpful inaddressing his concerns.
Policy detailsComplainant: [redacted]...

[redacted]Owner: [redacted]Policy number: [redacted]NAIC code: 66869Complaint Number: [redacted]What we found
I have enclosed the withdrawal form submitted by [redacted] onJuly 27, 2105 at 2:24 p.m. We processed this on the same day of July27, 2015 in the gross amount of $44,667.70.
Mr. [redacted] incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,167.70. He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.
We did listen to the calls referenced in the complaint on July 27, 2015 at9:49 a.m. and 1:49 p.m.. On the 9:49 a.m. call, we stated Mr. [redacted]would get the market value as of close that day if we receive thewithdrawal form by 4:00 pm Eastern. On the call at 1:49 p.m., Mr.[redacted] did state he would get $45,000. minus $1500. in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.
Unfortunately we can’t honor Mr. [redacted]’s request to compensate himfor the market value difference between July 26, 2015 and July 27, 2015in the amount of $845. since we processed this transaction correctly.If you have any further questions or concerns, please feel free to contact ErinM[redacted] via telephone at ###-###-####, option *, extension [redacted] or viaemail at [redacted]
Sincerely,Robert W[redacted]

Sadly Nationwide's agent [redacted] is telling further lies.
in
regard to this statement
 “I
spoke to Agent [redacted] and he has issued policy number ##### with an effective date of December 13, 2013. [redacted]
initiated the policy when [redacted] came to his office and brought
the signed paperwork. [redacted] stated that he has email
confirmation from Agent [redacted] regarding receipt of his paperwork on
December 13, 2013, but Agent [redacted] did not have knowledge of the
email, and said that his agency responded quickly when [redacted]
provided what was needed to initiate coverage.  Agent [redacted]’s
main concern was to make sure [redacted] was insured, and was able
to take care of getting the new policy backdated to the cancellation
of his first policy.”
I
have previously provided the emails where [redacted] received the
correct paperwork on December 13th
2013 and HIS ACKNOWLEDGEMENT RECEIPT.
However I am attaching those
emails again. Images ###, ###, ### and ###
 “ The
credit from [redacted]’ commercial tenant policy was applied to
policy #####, so no additional money was required to begin
the policy. Date of cancellation for the commercial tenant policy was
effective December 13, 2013. “
I
have since received two demands for premium payments.
I have
just paid one premium payment to ensure that I am covered by a
policy.
I have attached those demands and my response
below.
These are attached as images
Demand 1, Demand2, Letter and Refund.
I would be obliged if Nationwide's agent would stop lying.
Regards,
[redacted]

Titan quoted me a policy for 213 for 6 months because I was accident free and paid in full I do not have a spouse I have never been married I'm not going to show proof for something I do not have an this is my last response about this complaint please keep it posts on your website as an unresolved complaint because its obvious that they're not going to refund my policy money and it's obvious that they know that they ripped me off I'm not going to keep sending in documents and not getting anywhere I turned in everything that you needed to know and right there on my policy it stated 6 month paid Iin full accident free discount any insurance company I've ever dealt with has been nothing but scam artist that's how they make their millions and they know it and I know they ripped me off just keep it posts on your website it's an unresolved complaints thank you for your time and all of your efforts but please do not have them as Revdex.com accredited it's obvious that they're not and keep my complaint on your website for public viewing the other consumers will think twice before getting insurance through them and being scammed out of 87 dollars they quoted me a price like I said 213 for 6 months because I was accident free and paid in full it had nothing to do about having previous insurance it should have stated that on the policy it did not and then they sent me a bill for another hundred ninety I'm sure they do this all the time but it is going to go down as un resolved this is my last response there's scam artist and they know that they rip people off that's how they make their millions by giving people wrong quotes and wanting more money two and a half weeks after they start a policy with you and I will check your website just to make sure my complaint is posted thank you again for your time and all of your efforts to get this resolved I do appreciate it Revdex.com.
Regards,
[redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted].  As Sr. Analyst, CSSS Customer Resolution & Response, I have reviewed this policy file and would like to address Mr. [redacted]...

[redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.
 
Our insured, Mr. [redacted], has had two motorcycle policies with us. The first, MSPC [redacted]9, was in effect from March 14, 2011 through November 7, 2011. The second, [redacted] is still in effect, and has been since November 9, 2011. The prior policy, MSPC [redacted], was on a monthly EFT (automatic withdrawal) billing plan. A deduction notice was prepared on September 23, 2011, indicating that the standard $83.64 amount would be deducted on or after October 17, 2011. This payment was deducted on the due date of October 17, 2011, but unfortunately was returned due to insufficient funds. On October 26, 2011, notice was sent to the insured indicating that this payment was returned. The notice advised that $113.64 (the payment plus a $30 NSF fee) was due by November 6, 2011 in order to prevent cancellation. Unfortunately, no payment was received and the policy cancelled effective November 7, 2011.
 
On November 9, 2011, a call was received by the [redacted] Service Center (SPSC) from the insured, asking if the policy could be reissued (reinstated with a lapse in coverage). According to the notes, the representative reviewed the policy's brief history and noticed that the policy had other payments from that term returned due to insufficient funds. As such, the representative advised that the policy could not be reissued, but could possibly be rewritten by the insured's local agent. The agency phone number was provided and the insured indicated that they would call the agent.
 
The insured appears to have made contact with their agent that very day, as a new policy, MSPC [redacted], was written effective, November 9, 2011. The insured contends that they reinstated their policy and gave their agent a reinstatement payment. In truth, their policy was completely rewritten, and their agent had collected a down payment for the new policy. This down payment bound the new policy, but did not satisfy the prior policy's balance after cancellation.
 
 
On November 15, 2011, a notice was sent to the insured advising that the previous policy had a balance of $97.21 after its November 7, 2011 cancellation date and that payment was needed by December 4, 2011 in order to prevent the account from being referred to a collection agency. Payment was unfortunately not received. When payment was not received, the account was prepared for referral to our collections partner, [redacted] received the file on January 4, 2012, where it remains open. The $97.21 collection balance is therefore valid and represents premium owed for coverage provided on the prior motorcycle policy.
 
I have included copies of the deduction notice, notice of cancellation, and notice of collection balance after cancellation.
 
Based on my review, this policy was properly handled. If you have any further questions, please contact our Customer Relations Coordinator at ###-###-####.