Nationwide

[redacted] indicates the rise in replacement cost @ 2.5% .fine. I accept a 2.5% increase. $522x2.5%=$13.05 I do not accept an 18.79% or $98.00 increase(please check my math. premium was increased from $522.00 to $620.00) this , my main complaint, was not addressed in her response please let Ms Weber know that I have also filed a complaint with the [redacted] Dept of Insurance. she states her rates are in accordance with state regulations. maybe , but arbitrary and excessive increases are not.   18.79% per year, REALLY? 
Regards,
[redacted]

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

[redacted]
 
 
[redacted]
This letter is in response to the inquiry received from your office on July 28, 2014.
This claim regards an accident on 6/19/14.  We accepted liability for [redacted]’s vehicle damage on 7/1/14.  We inspected the vehicle on 7/3/14 and, due to the extent of damage, the vehicle was deemed to be a total loss and the property damage claim was assigned to [redacted] in our department to settle with [redacted]. 
On 7/15/14, we presented two settlement options to [redacted]:
Nationwide Retains Salvage



Actual Cash Value


$1,734.00


Condition Adjustment


$26.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$128.80


Tag/Title Fee


$13.50


Net Settlement


$1,542.30




Owner Retains Salvage



Actual Cash Value


$1,734.00


Condition Adjustment


$26.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$128.80


Tag/Title Fee


$13.50


Salvage Value


-$385.19


Net Settlement


$1,157.11


On 7/15/14, we sent an e-mail to [redacted] with a copy of the market valuation for the vehicle.  On 7/16/14, [redacted] rejected our offer via e-mail and provided several comparable vehicles as well as several receipts for vehicle maintenance.  We evaluated the comparable vehicles but we were not able to include them in our valuation as each vehicle was located over 2,000 miles away, and we notified her of this that day.  We submitted the maintenance receipts to CCC, the vendor that provides our market valuations, so that they could be considered in the vehicle value.  Because of the impact of the maintenance receipts on our market valuation, we modified our offer as follows:
Nationwide Retains Salvage



Actual Cash Value


$1,734.00


Condition Adjustment


$103.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$135.88


Tag/Title Fee


$13.00


Net Settlement


$1,625.88




Owner Retains Salvage



Actual Cash Value


$1,734.00


Condition/Maintenance Adjustment


$103.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$135.88


Tag/Title Fee


$13.00


Salvage Value


-$385.19


Net Settlement


$1,241.19


We called [redacted] on 7/16 to present the revised offer but she was not available, so we sent the offer to via e-mail.  She responded that day with additional receipts for maintenance, and we revised our offer to include a post-tax concession of $200 to reach amicable settlement:
Nationwide Retains Salvage



Actual Cash Value


$1,734.00


Condition/Maintenance Adjustment


$189.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$143.80


Tag/Title Fee


$13.50


Post-tax Concession


$200.00


Net Settlement


$1,920.30




Owner Retains Salvage



Actual Cash Value


$1,734.00


Condition/Maintenance Adjustment


$189.00


(Prior Damage Identified $1,478.74)



Prior Damage Applied


-$360.00


Sales Tax 9.2000%


$143.80


Tag/Title Fee


$13.50


Post-tax Concession


$200.00


Salvage Value


-$385.19


Net Settlement


$1,535.11


We e-mailed the revised offer to [redacted] on 7/16/14 and reiterated the offer by e-mail on 7/18/14.  On 7/21/14, Claim Manager, [redacted]y, received an e-mail from a co-worker, Claim Manager, [redacted], where [redacted] indicated that she did not get a response from an e-mail sent to [redacted].  The e-mail trail shows that [redacted]’s e-mail address was incorrect, so he had no opportunity to reply.  [redacted] contacted [redacted] that day and attempted to resolve her questions.
[redacted] was not satisfied with [redacted]’s responses, and she asked for the claim to be elevated to me.  [redacted] provided my contact information by e-mail on the evening of 7/21/14, and I contacted [redacted] on 7/22/14.  I explained to her the vehicle evaluation process and how the maintenance records affect the vehicle value.  I made an additional post-tax concession of $200, for a total post-tax concession of $400 over the vehicle’s actual cash value of $1,734.00.  She asked for a rental extension, and I told her that I would extend the rental until Friday, 7/25/14.
On 7/23/14, I spoke with [redacted] and she indicated that she had identified a car that she may purchase.  She said that she planned to return the rental that day, and I reminded her that I had extended the rental until 7/25/14.  I told her that I would increase the concession by $100 to $500, net settlement $2,220.30.  She asked if I would agree to pay the taxes due for new vehicle, but she did not disclose the purchase price.  I informed her that we are responsible for the taxes based on her previous vehicle’s value, and I reminded her that we had already conceded $500 over the vehicle value of $1,734.00.  She told me she would call me the next day, 7/24/14, to let me know if she purchased the vehicle.  I called and left messages without response on Thursday, 7/24/14, Friday, 7/25/14, twice Tuesday, 7/29/14 and Wednesday, 7/30/14.  I also sent her an e-mail on Tuesday, 7/29/14 and Wednesday, 7/30/14.
She responded to my e-mail on 7/31/14; she indicates that she did leave me a message on 7/24/14 and asserts that I have not left any messages for her.  Furthermore, she demands $2,420.30 for settlement of her claim.
I will respond to each of [redacted]’s issues in the complaint:
Issue 1:  No return phone call- Claims Associate - [redacted] Timeline is provided above.  We have apologized to [redacted] for the time service, we have made monetary concessions to compensate, and we have coached the associate regarding our time service expectations.
Issue 2:  Rental Car Not Provided We paid for 18 days of rental for [redacted].  We extended the rental through Friday, 7/25/14, and we let her know by phone on 7/23/14; she told me that day that she intended to return the rental on 7/23/14, and she did so.
Issue 3:  Claim Manager not providing adequate information - [redacted] was not involved in the claim except to cover [redacted]’s voicemail in his absence.
Issue 4:  No return phone call - Claim Manager [redacted] was not involved in the claim except to cover [redacted]’s voicemail in his absence.  She spoke to [redacted] once, and when she received an e-mail that [redacted] was trying to reach [redacted], she forwarded that e-mail to [redacted], who then responded promptly.
Issue 5: Claim Manager Rude - [redacted]y  [redacted] attempted to employ active listening techniques by saying “Okay” or “I see” to acknowledge her concerns.  [redacted] told him he was being rude and he apologized and stopped doing so.  She demanded to elevate the claim to me and [redacted] did so.
Issue 6:  Claims Associate Not providing Adequate information – [redacted] I spoke with [redacted] at great length on Wednesday, 7/23/14, and I was under the impression that we established solid rapport, that I answered her questions to her satisfaction, and that we were near a settlement. 
As for the resolution of this claim, I regret that we have reached an impasse with [redacted].  I responded to her most recent e-mail on the day it was received, 7/31/14.   I declined her demand for $2,420.30 and I reiterated our final offer of $2,220.30.  I recognize that the difference is $200, but the $500 concession that we have already offered represents 29% above the actual cash value of the vehicle.  We can make no additional concessions.  In the same e-mail, I offered to pay her up front for her deductible in the event that she chooses to utilize the collision coverage with her own insurance carrier.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. #### or by email at [redacted]
Sincerely,
[redacted]
Nationwide Affinity Insurance Company
Phone: ###-###-####
Fax: ###-###-####
Email Address: [redacted]

My wife had coverage with nationwide for 5 years never having a problem except a couple times for charging more then what wa owed. She always got a check in the mail 3-4 weeks later for the owed amount.
We got married and decided we would get on a joint plan for our cars. My mother in-law recommended Progressive due to some issues with her home insurance from nationwide. She told us the rates were a lot better and better coverage! We called around and got a few qoutes and Progressive was the cheapest with the best coverage. Nationwide ended up still being the highest! So we received our new coverage on January 18th. We waited a few days due to being a holiday weekend to cancel our coverage from nationwide. A few months go by and we receive a letter from the dmv stating we had a lapse in coverage and that we would need to provide proof of no lapse or pay a severe penalty.
So my wife called nation wide explaining what has happened and asking why this has happened. We had absolutely no lapse in coverage! Nationwide says we do see that you called on jan 21st and canceled, but we received a letter from your father saying he would like to cancel his policy and yours as of jan 15th. Giving us a three day lapse! Now I don't understand this her father had absolutely nothing to do with her policy and in there eyes should be a stranger saying they want to cancel my wife's policy! How does that exactly work, so I can go around canceling other peoples policy's just by writing a letter. This doesn't make since to me. Yes her parents had coverage with nationwide but had absolutely nothing to do with her policy!
So the lady at nationwide proceeds to say that she will have to talk with her underwriter to figure this out. AND it could take up to 48 hrs. My wife has to work and she is not supposed to drive her car due to lapse in coverage. 48 HOURS!
To say that I am upset is an understatement. We have paid her policy on time and never had a lapse from missed payments. After five years of coverage this is how she is going to be treated. We're sorry you couldn't beat our new policy's price but come on. You are supposed to be a legit company. I WILL NEVER USE NATIONWIDE AND WILL ACTUALLY GO TO EXTENT OF TELLING ALL OF MY FRIENDS AND FAMILY THAT USE NATIONWIDE TO CANCEL THERE POLICY AND GO WITH PROGRESSIVE.

I had motorcycle insurance with Nationwide up until my motorcycle got stolen. Since I had liability insurance I canceled it about 2 weeks after the motorcycle being stolen (February 2014). I receive a call a month later informing me that I owe one months payment to Nationwide which I paid. I asked the agent if my insurance had been cancelled since I requested it to be cancelled and I was told that it was. A month after I paid this, I get another call from Nationwide telling me that I owe them another months payment. At this point I questioned why they did not cancel my insurance when I had requested (2 months prior) and why they were charging me for insurance on something I had no possesion over and have not had possesion of since it got stolen. I did report the bike stolen to Nationwide and the police. I provided Nationwide a police report on the date the bike got stolen and they did their own internal investigation. They made mention that they had no record of a claim ever being filed and that they would need a police report fufill my cancelation request. I brought up to the agent that the reason I canceled my policy (or attempted to twice) was because I no longer had the motorcycle and Nationwide contacted me after if got stolen notifying me that since it was only liability insurance I would not be covered for theft. I understand I was at a loss and I settled for that and requested to cancel the policy. They have had the police report from the moment I filed a claim. The agent became aggressive over the phone and still denied there was ever any action taken to file a claim and turned into an argument (which is unprofessional from a company trying to achieve good customer relations). Fast forward to November 2014 I get a call from a collections company and I find out that Nationwide sent my file to collection for the "unpaid amount". I didn't want the black mark on my credit to stay there longer so I had to pay it. I will be disputing this through the credit reporting agencies. I will no longer attempt to dispute this through Nationwide due to their incompetence in handling simple tasks that they are responsible for as an insurance company. I also do not desire to deal with agents/customer service representatives that become hostile and discourage (or attempt to) customers from claiming what they are entitled to. For those looking for insurance please avoid this comapny like the plague. They will sweet talk you into buying insurance thorugh them but heaven forbid you file a claim with them. It will be a bumpy road.

9pt">To whom it may concern:
 
Thank you for your inquiry concerning the above named member. Below is the information that has been gathered regarding this case.
 
[redacted] who is Ms. [redacted]’s local agent, advises that whenever his agency writes a Homeowner or Tenant policy, customers are made aware of the restrictions their policy has regarding jewelry and other valuables before they leave the office. Ms. [redacted] was advised of these restrictions and what additional coverage she would need to purchase in order to insure these items. Ms. [redacted] chose not to purchase any additional coverage. [redacted] has also advised that his staff does not have any record of the member leaving a message for him to call her back concerning additional coverage that she wanted to add to her policy.
 
On June 25, 2014, a claim was filed and entered into the claim system at 10:46 AM. At 12:17 PM that same day, the claim was assigned to a Nationwide representative, and this representative was able to verbally contact Ms. [redacted] at 6:03 PM that evening. A recorded interview was taken and Ms. [redacted] at that time was advised of the policy limit for her jewelry, and all the facts of the claim were discussed as well.
 
On June 26, 2014, an estimate was completed by the associate and discussion was held with Ms. [redacted] regarding coverage and deductible.  Payment was issued on June 26, 2014 in the amount of $467.25, check number [redacted].
               
·       On September 2014, Ms. [redacted] owed a total of $120.00 to Nationwide, and a bill was sent for $33.75 due by September 29, 2014 (see attached).
·       Since a payment was not received, a $10.00 late fee was assessed and a Notice of Cancellation was sent for $43.75 due by October 23, 2014. If this payment was not received by October 23, 2014, Ms. [redacted]’s policy would cancel effective October 24, 2014 for non-pay (see attached).
·       Nationwide never received a written request to cancel Ms. [redacted]’s policy, nor were any notes received from agent [redacted]’s office regarding a request to cancel Ms. [redacted]’s policy.
·       On October 28, 2014, Ms. [redacted]’s policy cancelled for non-payment effective October 24, 2014. A total of $91.90 was credited to the billing account for unearned premium, and this left a total of $33.10 due by Ms. [redacted].  This amount due is for insurance protection provided up until the date of cancellation of October 24, 2014. 
       On October 30, 2014 a Payment Notice was mailed to Ms. [redacted] requesting $33.10 on her cancelled Homeowner policy (see attached).
 
If Ms. [redacted] has acquired insurance through a different carrier prior to the cancellation date of October 24, 2014, Nationwide will adjust the final bill with proof of a declaration page from that new carrier.
If you require further assistance, please contact Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]@nationwide.com between the hours of 8:00 AM and 4:15 PM.

the money was taken out of my checking account to pay for [redacted] insurance policy and I DID NOT AUTHORIZE this transaction. I did not realize money was being taken out of my account on the policy she had with them until the NSF came out of my checking account in Jan 2014. This is when I realized that the whole time the policy that was in her name  was coming out of my checking account. She never was nor will she ever be on any of my financial accounts. Yes, I see where the first policy was in her name and me as a driver, but I did not authorize her to take any money out of my account on that vehicle. She was to be responsible for taking care of that. She was employed at the time so I assumed she was paying it out of her account. Had I been made aware sooner that she had done that, I would most certainly have cancelled insurance sooner and sold the truck. The reason the truck was sold in the first place was because it began to break down all the time and it was getting costly to fix. I would like Nationwide to provide proof verbally or show me in my own handwriting that I either spoke to someone verbally or gave permission in writing that it was okay to take money out of my account for this insurance policy that was issued primarily in her name. I think it is wrong that they took money out of my account to pay for her policy and I want proof that I gave them that permission to do so. If they can't provide that proof, I think they should be obligated to refund the money to me solely AS IT WAS MY SOLE ACCOUNT THAT THEY TOOK MONEY OUT OF. Or at least issue the refund checks as [redacted] OR [redacted] instead of putting AND in the middle of our names! They can certainly contact her if need be I just have to get a good phone number for her!  The 2 attachments is where she signed the statement and the second is a copy of my checking account statement that shows it came out of my account and the third is a copy of the email I received from [redacted] credit union letting me know just how much was taken out of my account for this policy since June 2013.  June 13, 2013 the policy was cancelled and from June 14, 2013 until 01/13/14 money was taken out of my account to pay for these 2 policies to which I never authorized. They took 810.58 out of my account (845.58 if you count the 35.00 NSF fee the bank charged) and I only received about 300.00 of that back which is outrageous. I am not a crook and I am not trying to get away with anything. I just want them to provide proof that I, ME authorized these transactions. 
Regards,
[redacted]

I am in receipt of your letter dated March 22, 2016 in the above referenced matter.
Nationwide received the customer’s claim for wind damage to his siding on 1/24/16, and inspected this damage on 1/30/16. At the time of this on-site inspection, Nationwide provided the customer with an...

estimate and payment for the covered damages. The customer sustained damage to a portion of the siding on the right side of the home. Nationwide’s estimate (and payment) was made in accordance with its policy terms and conditions and Maryland law, and included the cost to replace the entire right side elevation of the damaged side of the home.At the inspection meeting with the customer on 1/30/16, Nationwide also discussed the customer’s options regarding his selection of a repair contractor, including the name of a contractor in its repair network program. The next day, on 1/31/16, the customer advised Nationwide that he would like to employ the services of the repair network program contractor.
Nationwide’s investigation indicates that the selected siding repair contractor contacted the customer on 2/1/16 to arrange for an inspection of the damages, and conducted the on-site inspection to view the damages/arrange for repairs on 2/8/16.
Nationwide was unaware of the customer’s concerns with the siding repair contractor – over a “bond” – until 3/8/16, when the contractor notified Nationwide of the customer’s concerns. The contractor was insured, but the customer had requested that the contractor obtain a “bond” for the siding repair work to be performed. Nationwide’s investigation indicates that the contractor was working to obtain the “bond” requested by the customer as of 3/14/16.
On 3/18/16, the customer contacted Nationwide to advise that he no longer wanted to employ the services of the repair network program contractor, and requested that Nationwide assist with another contractor referral. Nationwide provided the customer with the name of another general contractor in the repair network program. The customer advised that he did not want to use the newly referred contractor, and elected to select his own contractor for repairs.
At Nationwide’s first meeting with the customer, it provided the customer with an estimate of the covered damages and with payment for the actual cash value of the covered damages. At this first meeting, Nationwide also advised the customer of his options of selecting their own contractor or a contractor in the repair network program. Nationwide has offered, and continues to offer, to review the repair estimate and scope of repairs with the customer’s contractor, and to work with the customer’s contractor toward resolution; however, the customer’s contractor has not yet contacted Nationwide to discuss the estimate and scope of repairs.
If you have any additional questions, please contact Susan H[redacted]
Sincerely,Tricia P[redacted]

Nationwide has failed to try to resolve
the issues in this complaint on both claims 1 & 2. Claim 1’s estimate has
been sent out to Nationwide 3 times, but yet they claim they have not received
it, yet they received claim 2’s estimate in the same manner that Revdex.com has sent
out claim 1.  [redacted] was sent out
estimate for claim 1 which [redacted] failed to turn over this estimate to his
superior, but yet sent out a check for what he would pay toward the $2,899.98
which was $1744.48 on claim 1 which was not enough for repairs.
These claims were filed in January of 2014 and this
complaint started 05/22/2014 with never ending resolution even though I tried
every effort to give Nationwide and opportunity to resolve my issue with my two
claims as of 08/20/2014 they have made no attempts to resolve but incorporate
blocks to delay resolving this complaint No. ######### listed above.
 [redacted] states on February 20, 2014 they received a report from [redacted]
in which his report stated that his finding of damages from hail or any damages
that would result in a claim was none.  I
sent a copy of my denial letter to Revdex.com that was sent to me by [redacted] on
claim number 2 for the outer buildings per [redacted]’s report.
After I requested another adjuster to take on claim 2,
I was denied this request due to [redacted] and [redacted]l trying to scam me out of my
claim on damages to my outer buildings and claim 1 interior. Nationwide hired
an engineer to come out and inspect for damages on my claim on the outer
buildings.
Engineer found damages resulting from hail and winds
that discrediting [redacted] and [redacted]s claim. See below:On the engineer report he states that “ the functional
damage that included warped metal panels and openings in the seams of the roof covering
Building B are attributable to movement of the roof panels associated with hail
and or/wind.
Functional damage to any roofing system is defined as the
reduction in the ability of the roof to shed water or the reduction of its
expected service life.
Damage to structure seam would have caused damage to the
trusses sheating and framing, which most likely would have caused exposure from
the seam and damage to the metal panels which would have allowed other natural
elements/ moisture and or water causing damage.
However the engineer report out weighted [redacted]
report finds. I emailed [redacted] requesting the company name that [redacted] worked for.  [redacted] provided
me the name by way of email: [redacted]. While waiting for nationwide
to send out an engineer I filed a complaint # ##### with [redacted] Revdex.com
concerning [redacted] field agent [redacted] who falsified
a report for [redacted] stating that there was no hail damage found.  [redacted] never brought equipment to climb
up to view the roofs.
However it appears that [redacted] and [redacted]l had conspired
together to find loop holes that would discredit the claim I submitted. His
report was for something other than what I called my claim in about.
On 04/14/2014 [redacted] Revdex.com made a decision in favor of the
Plaintiff, me.
Nationwide’s agent [redacted] contacted me to inform me that
he was putting a check in the mail denying me the right to submit and estimate
as I did for claim 1.  [redacted] made the
statement that “you don’t need all that done”, and rushed a check out which was
not enough to pay for damages.
During this complaint going back and forth with nationwide I
have submitted emails received from their agent 
[redacted] trying to scam me out of my claim as well as a voice recorded
call contradicting [redacted]’s claim of what I called in about.
I have given nationwide everything that they have requested,
but I have found that they want to stock pile requests, meaning one request
after another non ending.
Nationwide has revitalizing a falsified report by [redacted] that initially denied my claim. The engineer report discredits [redacted]’s findings. Therefore Nationwide should not use [redacted]’s report
to sum up an estimate.
Revdex.com of Ohio has forwarded all documents back and forth as
well as all responses and yet Nationwide refuses to acknowledge there was a
problem with [redacted]’s conduct.
Nationwide requested that I get estimates, I did. However [redacted] never gave me a format of instruction on how they wanted
contractors to write out their estimates. This is just another delay tactic.
 I responded to [redacted]’s written request to send estimates, I did.
[redacted] never seemed to completely respond or answer
my full response throughout this complaint before she would change the course
by making another request our without going back to something that I had
already addressed. I have delivered repeatedly without any resolution to this
complaint.
[redacted] failed to give me the brake down on how
she came up with the weight of the roofs that gave her the total of $ 8000
dollars that [redacted] states that I would make off the salvage if sold.
There was never a clear understanding on how they came up with the salvage of
$300 dollars on building B 12X24, nor did they give me a quote on what it would
cost me to buy.
In these complaint I’ve had to deal with other’s answering
this complaint out of line, from copy and paste emails from [redacted] by and through
other agents, not supervisors. This is and escalated complaint and Nationwide
is treating this complaint very carelessly.
 ** [redacted],
stated herself that she had to tell her staff to stop emailing me or contacting
me due to this complaint which an agent had the nerve to respond to this complaint
out of sync taking the line of response back to June 2014.
However with this being said [redacted] has no
intention on resolving my complaint. I delivered what she wanted.NOTE:The same day that [redacted] got the notice from
the Revdex.com of Ohio that other, agents had been responding to this complaint, the
estimate for claim 1 was sent as an attachment to [redacted]. She
states that she notified her agents not to contact me, but denies getting the
attachment with estimate for claim 1 which was sent to her twice and a copy to
[redacted] before he wrote the check for claim 1.
I have also addressed [redacted] concerning the
contractors’ statement and he will be putting a sheet together. I have also
responded to [redacted] 08/19/2014 response as an attachment.I am requesting a copy of the February 20, 2014 report that
I was denied the right to have a copy by agent [redacted] after my claim was
denied and before the engineer report came back I was denied this request.Regards, 
[redacted]

This is in response to Nationwide’s March 16, 2015 answer to my complaint.  The response, as submitted by Nationwide includes numerous errors and misleading statements, and fails to address the underlying issue: an incompetent and unethical agent(s); [redacted].  Point by...

point response:  (1)  Misleading timeline – The response makes it look like it was a “new” policy.  This is highly misleading.  I was with Nationwide from 16 years old to 18(on my parents policy) and had my own policy from 18 years old to 21 (current age) with Nationwide.  In 2014, my long-time agent left due to the death of her husband, and [redacted] took over as the Agent.  Prior to [redacted], I never had issues with Nationwide.  As a Nationwide customer for 5 years, I was surprised when [redacted] issued me a “new” policy with a different due date in April of 2014.  My due date and automatic payment was always the 7th of each month.  Nationwide always made sure the required payment was ALWAYS deducted before the insurance was put in place. (2)  April 21, 2014 to October 21, 2014 – Since I purchased my 2003 Chevrolet truck in 2013, I was always insured by Nationwide until I cancelled my policy in October 2014 due to extremely poor service and numerous agent errors. Prior to October 2014, at no time did I cancel my vehicle insurance on my 2013 Chevy truck or my 1977 Chevy truck.  Furthermore, I was NEVER late on my monthly premium as Nationwide automatically deducted it from my checking account.  Thus, their statement that the April 21, 2014 policy only included my 1977 Chevy truck is due to their incompetent agent removing the 2003 WITHOUT my authorization.  As Nationwide records all conversations AND keeps records of cancellations, they need to provide evidence that I cancelled my coverage.  However, this is not possible since at no time did I either fail to pay my policy on the 2003 Chevy or cancel it.  Instead, the Nationwide agent failed to include it on a “new” policy that should never have been issued. (3)   April 30, 2014/May 27, 2014/June 27, 2014 – I had to contact Nationwide on numerous occasions to try to correct my policy and have them add back my 2003 Chevy truck.  Nationwide even notified the ** Dept of Transportation that my insurance was cancelled on my 2003 Chevy truck even though I ALWAYS paid my premium and NEVER cancelled the 2003 Chevy truck from my policy.  Again, this was a result of an incompetent Nationwide agent.  As Nationwide records all conversations AND provides cancellation notices, require them to show that I NEVER cancelled my policy on ANY of my vehicles, prior to October 2014.  However, they cannot provide this as I NEVER asked for my 2003 Chevy truck to be removed from my policy.  The ONLY “documentation” they provided in their response was copies of the INCORRECT transactions that reflect the incompetence of their Agent(s).  The extremely poor service and misleading/false statements is further illustrated by the “addition” of a “New Homeowner” discount on May 27, 2014, effective April 21, 2014.  At NO time did I EVER request a “New Homeowner” discount as I NEVER have owned a home.  I am 21 years old, single, and a college student.  The statement on June 27, 2014, that this discount was removed due to Nationwide not receiving the required documents to support the discount is a total fabrication.  The reason they removed it was due to AGENT ERROR, not that I failed to submit the required documents.  I find this response by Nationwide to be highly unethical to falsely claim I failed to submit a document instead of stating the truth- The agent screwed-up.  Again, as Nationwide records all conversations and keeps records, they need to provide evidence (written documents or a voice recording) where I EVER requested a homeowners discount AND failed to submit the required documents.  No records exists as this is totally a false and misleading accusation by Nationwide.  May 27, 2014 – Nationwide states they combined my policies to provide me a multi car discount policy.  Again, I always insured both vehicles thru Nationwide.  It was the Nationwide agent that decided to take one of my vehicles and insure one in [redacted] and the other in [redacted]  I have always been a resident of [redacted]  I only go to college in [redacted].  This was NEVER an issue until the new agent decided to split my policies.  In June of 2014, I was able to get the coverages transferred back to a ** policy.   June 8, June 27, July 5, July 22 – Any reasonable person would conclude, if you review the changes, as provided by Nationwide in their Revdex.com complaint response, that they make no sense.  Per Nationwide’s response: 1.      On June 8, I reportedly requested my 1977 to be placed in storage.  However, about 3 weeks later (June 27), I am requesting the 1977 insurance coverage be restored, effective June 8(effectively resulting in full coverage over the period covered) on the same truck. 2.     On July 5, I reportedly requested all coverage on my 2003 Chevy truck be removed (except for comprehension), effective June 27.  However, about 3 weeks later, I am again calling to reinstate coverage, effective June 27(effectively resulting in full coverage over the period covered) on the same truck.  The above makes no sense.  Why would I be requesting reduced coverage and 3 weeks later requesting it be restored to the effective date that it was reduced?????  I am a full-time student with a full-time job.  Does it make sense that I would be spending my “spare” time calling Nationwide to take coverage off and adding the same coverage back 3 weeks later on both vehicles????  What did occur was the transmission went on my 2003 Chevy.  This was the vehicle that should have been put in storage.  The Agent kept screwing up the requested coverage.  Why would I want or why would anyone want insurance coverage (other than the bare minimum) on a truck that cannot be run???? Again, it is unethical for Nationwide to provide a response that looks like I had nothing better to do than call to reduce coverage & later increase it back to the same effective date 3 weeks later on two different vehicles???  Nationwide’s statement that I contacted them on June 26, 2014 due to having “concerns with being able to pay my bill on time”.  This is a FALSE statement.  At no time did I EVER have problems paying my bill on time.  At NO time did I EVER make a late payment with Nationwide.  The reason for the change in payment dates was to correspond to the day of the month (the 7th) that corresponded to my policy due date that was in effect for at least the past 3 years.  It is HIGHLY unethical to imply that I had concerns with being able to pay my bill on time.  As Nationwide records all phone conversations, they need to supply the audio or written documentation that shows that I was having problems with paying my bill and that I requested a payment due date change due to my concerns with paying my bill.  Again, this is a fabricated response to cover up the fact that their agent screwed up on setting the correct due date and providing the correct coverage as I requested.   Nationwide’s statement “*Nationwide did not receive a down payment on April 21, 2014.  The first payment received was in June 2014” is incorrect.  As stated previously, Nationwide had authorization and continued to deduct on the 7th of EVERY month the REQUIRED payment for insurance coverage.  In fact, Nationwide deducted $158.91 on April 7, 2014 directly from my checking account.  Furthermore, no insurance company begins a “new” policy WITHOUT first receiving payment from the insured.   Finally, Nationwide’s claim that they experienced a “system error” that caused the Declarations pages to read the renewal date of June 8, 2014 to December 8, 2014 as the policy term dates instead of the actual term date is a total fabrication.  Any reasonable person knows garbage in, garbage out.  It is NOT the computer that screwed up, it is the Agent that put the information into the computer.  Again, it is unethical of Nationwide to cover up for one or more incompetent employees and blame the computer.  I find it totally preposterous to believe a multi-billion dollar insurance company has a computer that generates incorrect renewal dates.   In summary, my experience with Nationwide reflected an unbelievable amount of errors by their agent(s).  However, at no time will Nationwide EVER admit that it was an Agent error.  Instead, they would like everyone to believe that it was a combination of a deadbeat policyholder and the failure of their computer system to generate correct renewal dates.  My only error was believing “Nationwide is on your side”.  Their true corporate philosophy is apparently “The customer is always wrong” and “If all else fails, blame the computer”.  Very Disgruntled (Former) Nationwide Policyholder  [redacted]  Please provide my response to Nationwide so they can furnish my recorded telephone conversations of intended coverage, make the necessary adjustments to my account, and forward to me my REFUND Nationwide owes me.  My alternative is to further pursue my claim against the Nationwide agent through the local [redacted] magistrate system for the refund Nationwide owes and has failed to pay.  I would also like an apology from Nationwide for making the false and unethical statements to a public entity inferring that I was having payment problems.

[redacted]
 
[redacted]        [redacted]
 
[redacted]
 
[redacted]
 
[redacted]
 
0in 0in 0pt;" class="MsoNormal">Please accept our apologies for the misunderstandings and your inconvenience.
Our goal at Nationwide is to provide you with the best possible Homeowners coverage for your premium dollar.  To assist us in doing so, we use an inspection company to follow through with an on site review. 
The goal of the review is twofold.  One, to review your home to determine if the coverage you have today is proper for your home.  Second, to determine if conditions exist that may cause or exaggerate losses to your property, or injury to family members or visitors.
During the review, questions are asked to ensure proper coverage.  It is apparent there was a misunderstanding during your review.  Once we were made aware of the misunderstanding and incorrect information, we made the correction to your policy.  However, the correction was not made within your expectations. 
We provided coverage on your dwelling from April 26, 2014 until the date you requested cancellation, July 14, 2014. Your desired settlement is to receive a full refund of the premium paid for this coverage and without a lapse in coverage.  Unfortunately we are unable to grant your request of a full refund. 
During the misunderstanding, we remained accountable to uphold our contract obligations.  Because of our contract obligations, we are unable to refund any premium.  If a covered loss had occurred, we would have remained accountable for providing coverage and payment for the loss.
Again, we apologize for the misunderstanding and inconvenience.
Sincerely,
 
 
 
[redacted]
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY

[redacted]
*  [redacted]
Enclosed is a letter and copys of return stop checks from Harleysville.  Seems as thought theyre playing games. first they say the mailbox hade depreciated three hundred dollars, now theyre sending a check for $1566.25.
We feels as if we're losted if we cannot get Basillie the Estimation [redacted] gave to us.
We have been trying to get settle with Harlesyville for almost nine months.  with the ware and tare stress we been threw "Bounce stop payment checks" we have to pay for them.
I enclose all the paper they sent me so you can truely see what were dealing with.
I thank you for all you have done in this claim for us.
I hope and pray that when this is over this company will never treat another person in his manner.
Thank you,
[redacted]

I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me.
I disagree with most of the statements made in Nationwide's response. The problem was I had access to somebody else's insurance policies - not annuities. I called their customer support in early 2013 and again in Jan. 2014. When they still had not corrected the problem I then sent e-mails to their support address in Feb. 2014. However the problem seems to have been corrected so you may close this issue.
Thanks
Regards,
[redacted]

We have been customers of Nationwide for over 6 years with no late payments to our knowledge. Recently we received a collections notice for them in an amount around $24 that was dated back to 09/2012, when we canceled a car insurance policy because we sold the car. Not knowing if this was a scam, we did some research and found out that Nationwide had 2 credit collection companies and recently fired 1 of them because they were not doing their job, this is why we were only recently being notified.
Our complaint is the following:
1) We do not feel Nationwide tried all means necessary to contact us before sending it to collections. They claimed to have sent a few letters in the mail (which we have no knowledge of receiving). No phone calls or e-mails. Note: We had not changed address, phone numbers or e-mail addresses.
2) We do not feel Nationwide used common sense. We were paying hundreds of dollars to them, on time, with other policies.
3) Our credit was affected back to 2012 because of a faulty business that Nationwide hired. It is unfortunate for them, but does not harm them, only us.
4) We feel Nationwide has procedures that are out of date and do not utilize current technology.

Thank you for bringing this issue to our attention….
Customer’s Statement of the Problem: A client from Nationwide rear ended our driving school car. I have documentation from Nationwide stating it was their fault. They paid for the totaled car; however, I have never received payment for...

the down time of the car. I have sent emails and have had no response.I have personally been in contact with [redacted] as of October 25, 2016 and we are working towards a resolution to the above. I am waiting on documentation from Mr. Bressette to fully shows the loss of income that Drive Smart is claiming.
If you require further assistance, please contact our Customer Advocacy Coordinator Joey L[redacted], at ###-###-#### or by email at [redacted]
Sincerely,
Marialice S[redacted]

[redacted]                                                                   ...

              
 
[redacted] 
 
[redacted]               [redacted] Thank you for your recent inquiry regarding a complaint you received from [redacted].  As [redacted], CSSS Customer Resolution & Response, I have reviewed his policy 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. 
The concern regarding the time service 
Our records indicate [redacted] contacted our Service Department on May 17, 2014, to cancel the Automobile policy.  Our Service Representative advised that a cancellation form would need to be filled out.  The form was received and the cancellation of the policy took place on May 27, 2014 and was made effective May 17, 2014.  
The concern regarding service errors 
[redacted] called our Service Department and advised that a payment of $132.19 had been deducted from his bank account causing an overdraft charge. The Service Representative had sent the cancellation form but had not stopped the May draft. At that time, the Service Representative asked for a copy of the members’ bank statement to return the overdraft fees that Nationwide had caused.  On May 30, 2014 a bank statement was received from [redacted] which indicated there was one $35.00 fee. 
The concern regarding the refunds 
Once the policy was cancelled, a refund of $146.85 was sent on June 2, 2014.  The check number is########. The check was mailed to [redacted] 
A refund of $35.00 will be sent on June 13, 2014 to address the overdraft fee charged.  If there are any other fees associated Nationwide withdrawing payment of $132.19 on May 17, 2014, [redacted] can forward a copy of the bank statement to email address [redacted] or fax to ###-###-####. 
Thank you for bringing this matter to our attention.  We trust this will resolve all pending concerns.  If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext. #########
Sincerely, 
[redacted]CSSS Customer Resolution & ResponseNationwide Insurance Companies

I have been a customer with the [redacted] in [redacted] for over 10 years. I insured my 2008 Saab with them when I bought my car 5 years ago. My car was paid for in cash no financing and I do not have a ticket or accident on my record. My insurance was double what I was accustom to paying. I was told by the agent that it was because my car was European. Every year after I was told the same thing so I just believed it and started not to call back for my renewals. I figured I was getting the best rate. I shopped around this year and found out for the same policy I was paying double. This company has cost my over $3000 by charging me for things I didn't need or want. I would suggest never to trust this company or it's agents. I'm now with [redacted].

Dear [redacted]
 
Thank you for contacting the Office of Customer Advocacy in regards to your interactions with your local agent. We appreciate the opportunity to address your concerns. 
I would like to apologize on behalf of Nationwide for the delayed processing...

of your request as well as the poor experience you've had with your local agent. At Nationwide we strive to provide an excellent customer service experience and we express deep concern that your encounters with us did not meet those standards. We value your opinion and your business, and we want to ensure that the necessary steps have been taken to prevent something like this from reoccurring. We apologize for any inconvenience this situation may have caused and we hope to continue providing your insurance needs. A representative form our Underwriting department is reviewing your policy and should be in touch with you shortly regarding the items listed on your policy, possible duplications, and potential refunds. 
We would like for you to consider calling ###-###-#### to switch to Nationwide Sales Solutions. Nationwide Sales Solutions allows you to do business with Nationwide directly. NSS agents are highly skilled sales professionals who use consultative selling techniques to make the most of each interaction with members. If you're interested in working with another local agent, please visit our website, www.nationwide,com, and contact the agent of your choice to request a transfer.
Please let me know if I can be of any additional assistance to you.
Sincerely,
[redacted]
Nationwide Insurance
[redacted]

This letter is in response to the complaint filed with your agency by [redacted] regarding her automobile policy. Our records indicate the policy was written with an effective date of January 1, 2016. The policy was cancelled at the request of Ms. [redacted] effective March 15, 2016, with a...

balance due of $282.10. Nationwide issued two separate bills to the name and address on file following the cancellation of the policy.Due to the lack of receipt of payment Nationwide sent the balance due to a third party for collection. Attached please find copies of the bills mailed by Nationwide prior to the balance being turned over to collections. The balance due reflects premium owed up until the time of cancellation.
If you require further assistance, please contact our [redacted], Janice K[redacted] direct at ###-###-#### or by email at [redacted]
Sincerely,Colleen F[redacted]

Dear [redacted]
'Arial','sans-serif'; FONT-SIZE: 10pt"> 
This letter is in response to your letter dated March 16, 2015, in which [redacted] wishes to dispute our handing of her claim and our position on liability.
This claim was filed on February 27, 2015 by [redacted] and was reported as a parking lot accident.
On March 3, 2015, we spoke to [redacted], the driver of the other vehicle, and requested her statement of the fact of this loss.  She requested that we contact her insurance carrier, [redacted] Insurance, to obtain her statement. 
On March 5, 2015, we spoke to our insured, [redacted], and obtained his statement of the loss facts.  [redacted] stated that both vehicles involved in the incident were parked on opposite sides of a parking aisle in the [redacted] parking lot in [redacted].  Their vehicles were not directly across from each other, with [redacted]’s vehicle being one spot further down the aisle that [redacted]’s vehicle. He indicated that both vehicles were backing and he was more than half way out of his parking spot  when the vehicles made contact with each other.  The driver’s side portion of [redacted]’s rear bumper came into contact with the passenger side rear quarter panel of [redacted]’s vehicle.  There was no damage to our insured’s vehicle, and thus, we did not inspect his vehicle.
We established contact with [redacted] again on March 5, 2015.  [redacted] confirmed there were no passengers or injuries in her vehicle and she would not provide us with a recorded statement.  However, on March 12, 2015, we received a written statement and a diagram from [redacted].  In this statement, she advised us that her vehicle was in the process of backing out of a parking spot when she saw our insured’s vehicle backing.  At this point, [redacted] asserts that she stopped her vehicle, but took no further action (honking her horn or pulling back into the parking space).
 
Please refer to the enclosed diagram provided by [redacted].   There was no vehicle parked to the right of [redacted]’s vehicle, giving her a very clear view of the area where our insured’s vehicle was parked.  Our insured’s vehicle was parked across the aisle and to the right of [redacted]’s vehicle.  Additionally, [redacted], upon seeing our insured’s vehicle moving toward her vehicle, could have honked her horn or pulled back into her parking space, but did neither.  Furthermore, her diagram of the accident shows that our insured’s vehicle was much further out of its spot and had established control of the aisle prior to [redacted]’s vehicle entering the aisle and the impact occurring.  [redacted], in her statement, indicates that she had only backed her vehicle two to three feet before stopping her vehicle and there was only a second between the time she saw our vehicle backing and the impact between the two vehicles.  
 
After further review of the file, we believe that [redacted] has the majority of fault in this accident due to inattention, impeding our insured’s established control of the aisle, and having the last clear chance to  avoid this loss.  However, since we had originally accepted 70% liability for the accident, we are willing to honor this commitment, and settle 70% of [redacted]’s damages. 
 
At this time, no payments have been made on this claim, as it was our belief that [redacted] was utilizing her insurance coverage for her vehicle repairs.
 
Our obligation as an insurer is to settle losses for which our insured is liable, and we have not found any evidence that our insured was 100% negligent in this matter. 
 
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: ###-###-####
[redacted]

this policy had been in effect for years, the same policy number, the same insured drivers.  Mistake 2, I did not purchase a new policy in January, I renewed an existing policy.  I did not put 20% down, my premium was divided into six month installments, of similar amounts, as it had been for the previous years.  I believe Nationwide is preventing fair competition by punishing me for taking advantage of a competitors 30% reduction for the same product.  If I had neglected to pay Nationwide and they canceled me, this would not be a problem.  I am sorry that in today's economy I am forced to cut corners wherever I can find them.
Regards,
[redacted]