Nationwide

[redacted] *** [redacted] ** [redacted] Please accept this letter in response to your correspondence dated August 12, regarding the above cited claimWe have reviewed the estimate that [redacted] submitted to us We note on the estimate that her contractor has estimated to replace some of the roof trusses, sheathing and framing Our inspection showed that these items were rotted [redacted] ***s policy does not provide coverage for rot We attempted to contact [redacted] *** on Friday August 15th to request that her contractor breakdown his estimate to show how much these items cost In order to determine if our estimate is in line for the covered items we need to have a breakdown of the charges If we do not hear from [redacted] we will attempt to contact her again Sincerely, [redacted] Phone: ###-###-#### [redacted]

[redacted] *** [redacted] *** [redacted] ** [redacted] [redacted] ** [redacted] [redacted] ** [redacted] *** [redacted] ** *** To Whom It May Concern: Thank you for the opportunity to respond to the additional inquiry regarding a complaint you received from [redacted] [redacted] sent me a note stating he spoke with [redacted] ’ attorney to resolve the concerns [redacted] presented The following is a summary of the result of that conversation [redacted] thank you for your time on the phone todayHere is a summary of our conversation: [redacted] ' Commercial Policy on his home was cancelled effective 12-13-Policy Number:###### A Personal Lines Homeowner Policy was bound with a Policy Period of 12-13-to 12-13-to avoid any lapse in coverage for the homePolicy Number:###### The cancellation of the Commercial Policy left a credit of $ The Personal Lines Homeowner Policy's Annual Premium was $1,378.65; with an initial minimum amount due on 2-13-of $(this amount includes a $fee for monthly payments)There was also an option to pay in fullThe minimum payment due of $was received from [redacted] and credited to the policy on 2-7- On 1-31-the $credit from [redacted] ' Commercial Policy was received by our Personal Lines Billing Department and applied to the Personal Lines Homeowner policy bill $1,Personal Lines Homeowner Policy Annual Premium $ Monthly Payment Fee $1, $ Paid by [redacted] - credited on 2-7- $ Credited on 1-31-from [redacted] ' Commercial Policy that was cancelled effective 12-13-(No payment fees charged as this amount is a credit from the Commercial Policy) $ Remaining Balance Paid up until July In June [redacted] will receive a bill for the remaining balance of $The bill will give him an option to pay the $in full or pay $monthly ($Monthly Payment Fee is included in the $118.36) to complete the one year policy term I hope this information is helpfulPlease contact me at ###-###-####, or our Agent, [redacted] ***r at ###-###-#### cell / ###-###-#### office, should you have any questions Sincerely, [redacted] Thank you for bringing this matter to our attention We trust this will resolve all pending concerns Sincerely, [redacted] Office of Customer Advocacy Complaint CoordinatorNationwide Insurance Company###-###-####

Promised a $sibonus twice and denied both times sating rules were not adhered to and the process needs to be repeated, a 3-month processBe more straightforward and honest pleaseDon't trust this firm

I have reviewed the response made by the business in reference to complaint ID #####, and have complied with the response for the coverage brochures from ***, however, with that being said, this complaint is about what Allied/Nationwide offered as coverageSincerely, [redacted] ***

[redacted] Insurance Company received a Depertment of Insurance complaint regarding the sameconcernsThe issues have been addressed and resolvedEnclosed is a copy of the letter sent for your recordsIf you require further assistance in this matter, please contact our Customer Relations Coordinator, GerrieH [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] @nationwide.com

The company will kick me out of the rental on MondayMy loan has yet to be paid offNationwide have not sent the check to lenderTherefore another car cannot be purchasedI have to walk from the rental car place on Monday because I will not have a ride (Scared)I was unable to sleep the entire weekend We paid for window tint a week before the accident and we are being told we will not be reimbursedWe did not get a chance to enjoy the tint [redacted] says that the windows had tintI did not see any tintDo to health conditions I have to have tinted windows (that is why we got the tint)Now when we get a new truck I will have to pay again (We should be reimbursed) this was an addition to the car Nationwide is leaving my family in a bad situation and the accident was not our fault

I have been a customer with the [redacted] in [redacted] for over years I insured my Saab with them when I bought my car 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 $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] ***

[redacted] *** [redacted] *** [redacted] [redacted] [redacted] [redacted] *** [redacted] Thank you for your recent inquiry regarding a complaint you received from [redacted] *** As Claim Manager, I have reviewed this claim file and would like to address [redacted] ***’s concerns in regards to the handling of his claim under his own personal automobile policyIf I do not provide the information you need for this matter, please do not hesitate to let me know My understanding is [redacted] does not feel his claim has been thoroughly investigatedThe liability claim [redacted] is referring was handled out of our North Carolina office in which Claim Manager, [redacted] has addressed [redacted] was traveling on behalf of his employer at the time of loss and his medical bills are being paid through the WC compensation insurance Should [redacted] incur medical expenses that are not compensable under the WC claim, then we would provide Medical Payments coverage up to the limit of $5,under his personal automobile insurance policy I have left a message and sent email to [redacted] to call me to discuss his concerns [redacted] is on vacation this week I am waiting to hear back from him to be sure his other concerns regarding his out of pockets have been addressed My follow up is set for MondayI will mail you an addendum once I hear from him Should you have additional questions or wish to discuss, please do not hesitate to call Sincerely, [redacted] [redacted] ###-###-#### Email: [redacted]

My ins with Nationwide was coming up for renewalI communicated this with them way ahead of timeTalked to them several timesI cannot let my ins lapseThey would not get my renewal going until my policy expiredThey were full of excusesI went w someone else who wanted my businessNationwide will NOT be my ins company ever againThey don't careThey didn't even call to keep my businessThey are to big to care or have my business

This is [redacted] sending you out what Revdex.com Ohio system has for 07/07/attachment's which show Paul's K report and date that it was doneAfter ***s report it show what you all sent out is a copy of my claim estimate that nationwide keeps stating that they have not received it or did not receiveHowever this estimate was a part of the attachments that [redacted] speaks of concerning AI reportThis is what I am talking about the continues games the continue to play with me and most likely many consumers [redacted] I just wanted you to know that they did get the estimate you sent overSee attachment which show's sent from [redacted] ' fax machine [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, On February 18, 2014, the remaining credit of $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, at a premium amount of $for the 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 $reflects premium owed from January 30, 2014, until February 19, 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]

[redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] Dear [redacted] This letter is in response to the case filed by [redacted] I tried to call [redacted] today, January 24, at 3PM, but she was not available The policy balance as of August 27, 2013, equaled $Nationwide Insurance sent a payment notification for $to be drafted on September 19, (see attached)On August 28, 2013, [redacted] suspended the automatic Electronic Funds Transfer (EFT) onlineShe then changed the payment method from EFT to direct billed On August 28, 2013, [redacted] made changes through the online account to the coverage on the Auto policy that decreased premium by $ [redacted] sent an email to Nationwide on September 20, 2013, requesting to cancel her policy (see attached)Our procedure is to forward the email to the agent of recordA customer may cancel the policy orally, or by written notice to us of date of cancellation desiredPlease refer to page Gof the policy jacket sent to [redacted] at the time of inception (see attached)There are no calls documented for [redacted] , or the agent On September 25, 2013, Nationwide sent a Notice of Cancellation for $due by October 6, (see attached)This amount included a $late feeSince we did not receive a payment, the policy cancelled effective October 7, for non-paymentThe amount of $in unearned premium was credited to the billing account leaving a balance due of $Nationwide sent a collection letter for $due by October 30, (see attached) The amount of $is a valid amount due to Nationwide We do not have a signed and dated cancellation form on file, and we do not have other proof of insurance on file for [redacted] We can send a cancellation form via email to [redacted] that she can electronically sign for the date of September 20, 2013, since that is the date that we received her email [redacted] may call or email me, and I will provide the instructions to complete the formOnce the form is returned, we will make the adjustmentMy contact information is listed below The remaining balance may be reduced or eliminated if other insurance was obtained prior to September 20, If so, please send us a copy of the new policy declaration page, which contains the name of the insuring company, policy number, vehicles insured, and the effective date of coverageThe information may be faxed to ###-###-####, Attn: [redacted] We apologize that [redacted] did not receive the level of service that she was expecting from Nationwide InsuranceWe appreciate the opportunity to resolve this matter Sincerely, [redacted] Nationwide Insurance Companies ###-###-#### Ext##### [redacted]

This letter is in reply to the rejection of our original response by the complainantThe complainant rejected our response due to the lack of documentation regarding the short rate clause and the lack of disclosure of the rateNationwide has complied with all regulatory statues regarding the disclosure of the short rate procedure for automobile policiesThe policy jacket, issued at the time of the inception of the policy specifically indicates as follows: “If the named insured or a premium finance company cancels this policy, the premium owed or premium refund due will be calculated according to the short rate provisions contained in our manualsIf we cancel this policy, any premium owed or premium refund will be calculated on a pro-rata basis.” All short rate provisions are filed with the state department of insurance as required by lawThe balance due of $reflects premium owed up until the cancellation date plus one $Returned Item fee and one $installment feeThe premium was correctly calculated and cannot be waivedPlease feel free to contact me if additional information is neededSincerely,Colleen F [redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted] ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let me knowOur records indicate, on February 14, 2015, Mr [redacted] called the [redacted] Agency to add a Subaru to his policyAfter being quoted several deductible amounts and the corresponding premium increases, Mr [redacted] advised he could not afford the additional premium to add comprehensive and collision coverage to his policyHe then told his agent he wanted liability only for the SubaruThe vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr [redacted] called the [redacted] Agency and spoke with office manager [redacted] about the coverage he had on the SubaruDuring this conversation Mr [redacted] was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchaseAlso discussed was the coverage on his DodgeMr [redacted] was offered a $deductible on this vehicle to which he declined advising he had to speak with his wife before making the decisionDuring our investigation into this matter, no error was foundLack of the offer of coverages to an insured does not constitute an errorMr [redacted] did not request additional quotes for other deductibles for collision and we found the [redacted] Agency followed their procedure of discussing the available options with Mr***After being told by Mr [redacted] he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requestedThank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call Betsy S [redacted] , [redacted] at ###-###-#### or email her at [redacted] Sincerely, Derrick H [redacted] ###-###-####

I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respondI have discussed this file with [redacted] of [redacted] He will contact a local roofer to inspect the property to assist in determining the cause of the damage to the roofHarleysville Insurance agrees to pay for the cost of pulling up the tarp and putting it backHarleysville Insurance will not be liable for any damage to the roof from prior tarps.” [redacted] advised me that [redacted] recently bought this home and was unaware of any past issues with the roofWe would request a copy of the home inspection that was completed prior to the purchase of the home so we can verify the condition of the roof at the time of the purchase [redacted] will be requesting this from [redacted] ***Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] ***, at ###-###-#### or via email at [redacted] Regards, [redacted] ############

I brought my [redacted] cleaner to the [redacted] location for repairI got a call from [redacted] telling me the cost for repair and that he had to order the partsHe said he would call when it is readyI didn't hear back, so after 1/weeks I called [redacted] said he was glad I called because he lost my numberHe said there was a problem, he had to order from another supplier, didn't know how long it would take to come inI said to order the parts and repair itAnother 1/weeks I called again, [redacted] said there was a problem getting the old part out because "someone" had glued it on the bottom(Now I know no one has done that, I had opened it up last year to do a belt replacement and it did not have glue in there)I asked when I could pick it upHe told me he hadn't finished it, because the part came without the screws, and he had to get someHe said it would be ready next weekNo call again so I called back, he said it would be ready the next day for pick upI had to pick up at the [redacted] locationSince it was a Saturday I said alrightThey were closed due to tropical storm Hermine, understandableSo I drove from work after Labor Day to pick upWhen I arrived he said it was in his car, had to run out to get itIt was not finished, I had to wait while he tried to put locking washers that didn't fit, wrong sizeI was also told the cover broke while taking it off, he would order me one no chargeBottom line I got it back in worse condition than when I dropped it off! I have to order the missing washers and wait for them to never order the coverI was so [redacted] I just took my cleaner home and will never use them again!

Canceled my policy on Jul and was still billed for the next monthCalled them and explained, no problemRe-billed twice more with calls to explain to them, but they don't care just want moneyI've now been sent to collections and told I must provide proof of new insurance to Nationwide's collection agency.To me this is very intrusive and should be illegal

To whom it may concern: Thank you for your recent inquiry regarding a complaint you received from Natalie [redacted] Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let us knowOur records indicate on March 17, Associate Agent [redacted] received an email from Ms [redacted] informing him she was moving back to the [redacted] on May 22, She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr [redacted] responded via email to Ms [redacted] ’ request to update her banking informationHe informed her he needed her routing and account number and asked her to confirm the account was in her nameMs [redacted] responded to Mr [redacted] ’s email on March giving him the banking information needed and again on March These emails also contained questions pertaining to the $non-sufficient fund fee she was being incorrectly chargedUnfortunately, these emails were not opened by Mr [redacted] until April It was on this date Mr [redacted] informed Ms [redacted] (via email) that he had not changed the routing and account numbers as he advised he wouldMr [redacted] also informed Ms [redacted] the policy was scheduled to cancel on April 29, Realizing his error, Mr [redacted] also informed Ms [redacted] he would have the non-sufficient fund fee waivedSubsequently, there was no follow up with the insured nor was the $non-sufficient fee waivedWe have, however, taken the necessary steps to remove the $non-sufficient funds fee and the resulting $collection amount charged to Ms [redacted] A refund check in the amount of $(unearned premium) is in the process of being mailed to Ms [redacted] and [redacted] to the [redacted] address we have on fileThe policy’s cancellation date will remain April 29, We sincerely apologize to Ms [redacted] and Mr [redacted] for the level of service they receivedWe thank them for their patience and for allowing us an opportunity to correct this issueThank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call [redacted] Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at [redacted] Sincerely, [redacted] Nationwide###-###-#### [redacted]

Dear Mr [redacted] This is the second response to your inquiry sent via the Revdex.com Our decision has not changed Your son, ***, holds a Class C drivers license This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, pounds Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy Sincerely,

Nationwide would not renew our policy and gave us a months notice from ONE accident my husband had that they didn't even have to pay out onAvoid using Jason W [redacted] Nationwide ( [redacted] i) or Nationwide altogetherThere are so many people in the [redacted] area that drive without insurance, It's bad businesses like Nationwide that will greedily take your payment and kick you for the main reason you have insurance!