Nationwide

[redacted]
 
 
[redacted]
 
**...

[redacted]                               [redacted]                             [redacted] 
Your inquiry of June 19, 2014 has been referred to me for review and response.
On March 1, 2014, the insured wrote this policy via Nationwide Sales Solutions with an inception date of March 1, 2014. The quoting/binding process totaled one hour as the insured was receiving an auto quote, as well as a tenant policy quote. There were four occasions during the call when the agent had to put the member on hold. These occasions were as follows:
           
1.     To run reports and confirm the information that was being pulled into the quoting system.
2.     To email the insured the [redacted] Act 6 documents pre-bind as required by the Commonwealth of [redacted].
3.     To update the lien information and confirm the vehicle identification information with the quoting system.
4.     To manually fax the tenant quote to the insured as the agent was having trouble with the faxing program in the computer.
Each time the insured was placed on hold, the agent explained why he would be holding and then the results of the hold.
As part of the new business underwriting review, on March 7, 2014, Nationwide received a referral for [redacted] being an undisclosed member of the household. On March 26, 2014 Nationwide requested information confirming that [redacted] is in the household or has regular access to the insured vehicle(s). By April 22, 2014, no response had been received regarding the household member.
When writing a standard auto policy in [redacted], Nationwide is required to rate or exclude all members of the household of driving age on the auto policy. During the quote, the insured advised that he lives in the household with his parents and is listed on their auto policy. The only person disclosed on the policy at the time of application, other than his parents, was [redacted]. This is the same driver that is currently listed on the policy. At no time during the quote or bind process did the insured disclose that his sister, [redacted] resides in the household. [redacted] signed the application agreeing to the following statements:
“All operators and drivers who may operate the vehicle identified in this application or may have access to the vehicle for the purposes of operating and /or driving the vehicle and all persons residing at the address listed on this application and at the garaging address of said vehicle have been disclosed and listed on this or another Nationwide application, with the exception of resident parents or grandparents insured with a company other than Nationwide.”
          
“Failure to disclose a driver or member of the household will be considered material misrepresentation and may constitute grounds for denial of coverage.”
On April 28, 2014, a Notice of Cancellation was mailed to the insured advising that the policy would be cancelled effective May 21, 2014. The letter advised that the policy was being cancelled for failure to disclose [redacted] as a driver on the policy.
On May 2, 2014, the insured contacted Nationwide as he had received the cancellation notice. He mentioned also receiving an email from Nationwide that included a Named Excluded Operator endorsement for his sister, [redacted]. He told the representative that he returned the signed endorsement to Nationwide. The representative confirmed that the number he sent the form to was a phone number, not a fax number. The member re-sent the form to Nationwide that same day. Upon review of the form, it was noted that the excluded operator never signed the form, making it invalid. A valid copy of the endorsement was not received prior to the cancellation.
On June 9, 2014, the insured returned a valid copy of the Named Excluded Operator endorsement. However, the policy was unable to be retained as it had cancelled on May 21, 2014.
If the insured would like to obtain a new auto insurance policy, he’s welcome to call Nationwide Sales Solutions at 877-On-Your-Side to obtain a quote.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
Nationwide Mutual Insurance Company
###-###-####

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
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                                    [redacted]      [redacted]   [redacted]       Please accept this letter in response to your correspondence dated August 12, 2014 regarding the above cited claim. We 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]
[redacted]Phone: ###-###-####[redacted]

[redacted]
Please accept this letter in response to your correspondence dated July 1, 2014 regarding the above cited claim. I am the assigned manager over this claim and I appreciate the opportunity to provide additional facts and information regarding our claim service. 
We have not received the estimates that [redacted] is referencing.  We would request these estimates be submitted to us for review.  
Please let me know if there is any further information we can provide to you to resolve this concern.  
Sincerely, 
[redacted] AMCO Insurance Company
Phone: ###-###-####
[redacted]

I got a car insurance with Nationwide Mutual in 2014 with a hope that it would be a good experience (as they advertised that they were on customer's side). Unfortunately it's not that true.
I had a fender bender accident on 08/06/2014 and I filed in a claim. The adjuster who called called me wasn't very polite. During the conversation he asked me to describe what happened and I did. He told me that he spoke to another party and decided that it was all my fault. He said that even if I was right it was hard to prove that the person involved in that accident was at fault (without a street camera). I kept asking him to explain how things work but started getting annoyed by me. The bottom line was it was my fault as I should have paid more attention why driving. I was afraid to get him upset so I agreed with him. As he was the one deciding how my claim would go. He asked me if I wanted to fix my car soon or I wanted to wait. I told him that I wished for my car to be fixed sooner so he gave me the info where to go. I did and my car was fixed. I checked my account several months later in regards my billing , I saw that the claim was still in "open" status. I contacted Nationwide Mutual via phone and asked their representative if there was any info why it was still open. But was advised that I had contact the main adjuster(who started the claim). I told the representative that I prefered not to talk to that adjuster due to bad experience talking to him before. Time have past and I was regularly received the bill from Nationwide mutual that I paid.
On 08-15-2015 I received email " billing notification" from Nationwide mutual insurance. I went online to check on the status of the claim. But to my surprise it still showed"open".
I contacted Nationwide mutual via phone again just to learn that my claim is still open and they don't know why. I was told that my claim went through many hands and the last time anyone even made a note on it was on 09-26-2014.
I was given a name and a phone number of that last adjuster, but was told that I have to wait for Monday as he is out of the office.
I feel I been neglected long enough and they are dragging their feet preventing me from conducting business with another insurance company. Could you please help?

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

[redacted] 
 [redacted] 
 [redacted] 
 [redacted] 
 
Dear [redacted]: 
 
This letter is in response to the complaint filed with your agency by [redacted] 
regarding the premium increase on his Homeowners policy. I have reviewed the details 
of the policy and will be happy to respond to the concerns of our policyholder. 
 
In his correspondence with the Revdex.com, [redacted] states that the 
premium on his Homeowners policy has increased by 20% in a year. He does not feel 
that the rate increase should be higher that the cost of living increase in his area. He 
also states that the replacement cost of the home has not increased to justify the 
premium increase. 
 
I do understand that [redacted] is frustrated with the increase in his Homeowners 
premium. Homeowners insurance rates are based on a variety of factors which include 
the cost of doing business. Cost of living adjustments are not one of the factors that 
would impact or limit the application of the rate. Changes in the replacement cost of 
the home are a factor that impacts Homeowners rates. [redacted]’s home 
replacement cost was increased by 2.5% at the policy renewal. This is a standard 
practice that is done to safeguard against fluctuations in construction costs. 
 
Homeowners rates are filed and approved by the [redacted] Department of Insurance. 
We are required to uniformly and consistently apply our filed rates to all policyholders. 
I have reviewed the rating of [redacted]’s policy and find it to be accurate and in 
compliance with the rates filed with and approved by the State of [redacted]. 
 
 
If we may offer any further assistance in this matter, please contact our customer 
advocacy coordinator, [redacted], toll-free at ###-###-####, ext. #####, direct 
at ###-###-####, or by email at [redacted] 
 
Sincerely, 
 
[redacted] 
Personal Lines Underwriting Manager 
Phone ###-###-####, or e-mail [redacted]

I did receive the refund of the last payment of $61.78 approx. 
What I have is a paid fine to the [redacted] State DMV - for over $600.00 from a fine based on me not having insurance for that time

This letter is in response to the complaint filed with your agency by [redacted] regarding her auto policy cancellation refund.
[redacted] began her auto policy on July 1, 2014 with a full payment of $315.20. Our processing team received the requested cancellation on September...

15, 2014, and the cancel date was to be effective September 2, 2014. The cancellation process was completed on September 17, 2014 and the credit was then processed to the billing account.
[redacted] states she is owed $250.00; however, in review of the account the refund amount is for $207.26. The amount of $107.94 was the cost for the coverage provided from July 1, 2014 to September 2, 2014.
Since this was a new policy and one payment was made for the full amount, the system recognizes it as the first payment of a new policy. When a new policy cancels with the first payment, the system will hold the funds to verify they are good before releasing a refund.
On October 3, 2014, [redacted] called to state she still had not received her auto refund. Our representative informed that she would stop payment on the refund and issue an overnight refund check. Unfortunately, the request to issue the overnight refund was incorrectly sent to our processing team, causing the delay.
Our processing team issued an overnight refund on October 13, 2014, in the amount of $207.26. It has been sent via UPS to ensure it is promptly delivered, with the following tracking number: ############. The delivery is set for Tuesday, October 14, 2014.
We apologize for the delay in the refund and for any inconvenience. If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at
###-###-####, ext. ##### direct at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
[redacted]
Nationwide Affinity Insurance Company of America

[redacted]        [redacted]
[redacted]        [redacted] [redacted]
[redacted]        [redacted]
[redacted]        [redacted] [redacted]
[redacted]        [redacted]
[redacted]         Customer Communication:
I have contacted insured and spoken to husband.  He advised that insured would call me back, but that has not occurred.  I reiterated to insured that Nationwide does not have the insured vehicle (and never has had the insured vehicle).  We inspected the vehicle and were provided paperwork indicating the repossession of the vehicle and therefore made the claim payment payable to both the insured and lienholder. Insured husband advises that insured stopped paying on the loan a few months ago, and still does not have the vehicle back but is getting little response from the [redacted]

I had an auto policy with Nationwide for nearly 2 years. I recently got married and added my wife to the insurance policy, this was no issue over the phone. But some how the people who have jobs looking up information were not able to find a DMV driving record, A document that me, a person with no experience was able to find and request an official digital copy of within about 15 min.
Nevertheless here in lied the real issue. I was not informed about this issue, I did not find this out that they where even planing on canceling my policy, no phone call, no email, and not even a certified letter in the mail. Bottom Line, They In No Real Way Insured That I Was Informed Of this Issue! I didn't find this out until my wife got into an accident. I had to call them up, I had to dig for the information, and even after I provided them with the information that there skilled set of desk monkeys where unable to find. They said that they would not reinstate my auto policy.
So if you want to drive around thinking you have auto insurance. But not ever really knowing if you do or don't. Then by all means I suggest Nationwide Insurance. "The stab you in the back insurance group"

I am writing in response to Mr. [redacted]'s camplaint regarding his recent experience with an automobile applicationwith Nationwide Bank.
The loan application was originally submitted online on March 30. On March 31, Nationwide Bank requested viaernail to Mr, [redacted], a copy of tha...

title to confirm the VIN and seller name. In the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr. [redacted] contacted Nationwide Bank to check on the status of his loan. He was advised that ourunderwriting team was still waitlng for the title information. Mr. [redacted] contends that he did not receive the March31 email requesting the information.Mr. [redacted] was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax number. Mr. [redacted] took steps to confirm the fax number and found it to be incorrect. Hecalled Nationwide Bank again, and was given a similar fax number. Mr. [redacted] contacted the seller of the vehiclerequesting the documentation. He called back on April 7 to confirm that documents had been received, and wastold that they had not. Because he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax number. He was advised that the number provided was incorrect, and gave yet anotherfax number.
The seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan application. An incorrectVIN had been entered during the initial application. Due to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan request.
At that time, Mr. [redacted] chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhere.
Sincerely,
Anne C[redacted]

Thank you for forwarding the foregoing follow up complaint regarding the diminished value claim for Ms. [redacted] to our attention. [redacted] is a fully owned subsidiary of Nationwide Mutual Insurance Company (hereafter “[redacted]”).
On 12/18/14, Mr. [redacted] called the complainant Ms. [redacted] to coordinate the inspection of her vehicle for the diminished value claim. Mr. [redacted] met with Ms. [redacted] on 12/22/14 and inspected her vehicle to determine the amount of diminished value. At 3:40 PM on 12/22/14 Mr. [redacted] forwarded the diminished value documentation to me. I was scheduled out of the office on 12/22/14 and was able to review the materials the following business day 12/23/14.
On 12/23/14, I called Ms. [redacted] to explain the amount of the diminished value. This is calculated based on the Base Value $25,203 * 10% = $2520.30 * 1 Severe Damage Modifier * 1 Mileage Modifier = Diminished Value of $2520.30. (See attached calculation worksheet – Exhibit I) Ms. [redacted] rejected this amount as she met with [redacted] of [redacted] Motors who advised that due to the extent of the damages they would offer her $17,000 for her trade in. I asked Ms. [redacted] for documentation from the dealership to substantiate this amount. Ms. [redacted] did not have any written documentation to support her claim. I offered to contact her dealership so that I could follow up and obtain same. I advised Ms. [redacted] I would contact her once I obtained information from her dealership. I called [redacted] on 12/23/14 at 2:52PM, on 12/27/14 at 1:28PM and again on 12/29/14 at 3:57PM. I was able to speak with Mr. [redacted] on this date and he has advised me that he does not have anything in writing to supply to me. He requested I follow up with him the week of January 5th because this is a very busy time for dealerships. He could not promise me any written documentation but he offered to speak with his manager to see what could be done. I called Ms. [redacted] on 1/2/15 and left a detailed message to advise her of the current status.
The diminished value offer of $2520.30 was presented to Ms. [redacted] on 12/23/14 and was rejected. We will follow up with the dealership for documentation to support the amount they have determined the diminished value claim should be. The dealership must be able to substantiate their figures which should be reduced by the amount the vehicle depreciated after the sale notwithstanding the accident damages. Upon receipt of this substantiated documentation we will determine if any additional concessions can be made.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or via email at [redacted]@nationwide.com.

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

       [redacted]  
Thank you for the opportunity to respond to the Revdex.com regarding policy number #### for [redacted] and to address his concerns about the policy. 
On 4/12/2013, [redacted] purchased a six month insurance policy from Nationwide Sales Solutions with a bill plan of 20% down and five installments. The policy took effect on that day when a payment of $132.25 was received. 
Since January of 2014, we have been in contact with [redacted] regarding the premium paid towards the policies he and who has been acknowledged as his ex-girlfriends ([redacted]) policy. As previous acknowledged, [redacted] started a policy for the 1994 Ford Ranger on 4/12/2013 with himself as the primary insured and [redacted] as a listed driver. However, [redacted] started coverage for the same vehicle, with herself as the primary insured and [redacted] as listed driver on 3/11/2013. Once this was discovered, [redacted]’s policy was cancelled, since it was the second of the two policies, and premiums paid were refunded to [redacted]. 
[redacted] also requested that the policy for [redacted] be cancelled as they no longer had access to the vehicle and [redacted] was no longer in the State of [redacted]. Once the proper information was received to cancel the policy, [redacted] was informed that [redacted] was the primary insured and all refunds would be required to be issued with [redacted] as the primary payee. At this time, all due refunds from both policies have been issued. [redacted] is fully aware that any refunds from the policy [redacted] initiated, would require [redacted] to be the payee and he would need to discuss these issues with her directly. 
I trust that I have addressed the issues within [redacted]’s complaint.  If I can be of further assistance, please contact me at ###-###-####. 
Sincerely,[redacted]

Mr. [redacted] is not our insured and he is not listed on the policy. We
have looked into his concerns regarding this claim and we continue to stand
by our decision that there was no coverage for the loss that occurred on
April 2, 2014. We sent a letter to our insured,...

[redacted]
explaining our decision in detail. Unfortunately, since [redacted] is
not listed on the policy, we can not share these details with him. Thank
you for allowing us to review this matter.
[redacted]/Nationwide Insurance

[redacted]
[redacted]
[redacted]
 
[redacted]
 
[redacted]               [redacted]
[redacted]               [redacted]
[redacted]            [redacted]
[redacted]      [redacted]  
This letter is in response to your inquiry received on July 16, 2014.
A refund is only issued when a policy has been overpaid and the company has received more money than was owed on a policy.   Due to the fact that [redacted] has an outstanding bill of $96.30 for the time his policy was in force with our company, there is nothing to refund.  Once the $96.30 balance is paid to Nationwide, the policy will be paid in full.
As stated in my response on May 22, 2014, June 12, 2014 and June 20, 2014, below is a breakdown of the charges, payment and balance due to Nationwide:
Premium charged for the time the policy was in force (11-7-13 to 2-12-14) $622.50
Payment received from Mr Voss $526.20
Balance Due Nationwide $96.30 
This is calculated by taking the premium charged by Nationwide ($622.50) and subtracting the payment received from the policyholder ($526.30) which leaves a balance of $96.30. 
As you can see from the breakdown and calculations, there is still money owed to Nationwide for services provided during the time the policy was in force.  Since there is money owed to us, there is no refund.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or by email at [redacted]
Sincerely,
[redacted]
[redacted]
###-###-####

Hello,
Please excuse my writing; English is not my first language. Hello, my name is [redacted] This is an honest and truthful review of my experience with Nationwide Insurance Corporation BEHIND CLOSED DOOR. For the record, I have always PROCLAIMED AND MAINTAINED MY INNOCENCE. I was involved in an accident with a Nationwide driver on April 29, 20013. This accident happened between the intersection of [redacted] and [redacted]. This case was between a 26 years old driver versus a 79 years old word. Essentially, it was a he said, she said kind of thing. For the record, Nationwide driver claimed to be traveling WESTBOUND ON [redacted] as it was stated in the police report and Nationwide arbitration file claim. However, the collision photo where the two vehicles collided showed that Nationwide driver vehicle was traveling on [redacted] and NOT ON [redacted] as Nationwide driver claimed. What if I never took the collision photo @Nationwide? How could Nationwide driver claimed to be traveling on [redacted] when the collision photo where the two collided showed Nationwide driver vehicle was on [redacted]? The collision photo is a direct contradiction to Nationwide driver’s claimed. What happens to when a person is caught lying, he or she loses all creditability? @Nationwide
For the record, in my written and recorded statements, I stated that Nationwide driver told the police officer that I ran the red light. However, the collision photo where the two vehicles collided showed that I was less than ¼ of the way into the intersection. The damage of my vehicle was on the front bumper of my car. If I “supposedly” had ran the red light as Nationwide driver claimed, wouldn't the damage to my vehicle happened in the middle or the back of my car and not to my front of my bumper of my car.
As a 26 years old unemployed student driver, I had to use my student loan to pay my deductible and my mother had to use her savings to pay for the increase/raise in my insurance rate.
HOW COULD NATIONWIDE CORPORATION STILL STAND BEHIND A NATIONWIDE DRIVER WHEN THE COLLISION PHOTO SHOWED THAT NATIONWIDE DRIVER WAS TRAVELING ON [redacted] AND NOT ON [redacted] AS IT WAS STATED IN THE POLICE REPORT AND NATIONWIDE ARBITRATION FILE. SHAME ON YOU NATIONWIDE CORPORATION FOR NOT HAVING THE HONOR AND INTEGRITY TO DO THE RIGHT THING!!! @NATIONWIDE CORPORATION
FOR THE RECORD, I HAVE ALWAYS PROCLAIMED AND MAINTAINED MY INNOCENCE.
I sincerely and genuinely hope that [redacted], my used to be favorite quarterback, sees my honest and truthful review of my experience with Nationwide Corporation BEHIND CLOSED DOOR. Thank you for your time and reading my honest and truthful review of my experience with Nationwide Corporation BEHIND CLOSED DOOR.

Thank you for your inquiry concerning the above named member. Below is my response to theirconcerns about an amount due after the auto policy cancelled for non payment of premium effectiveJanuary 16, 2015.
On November 24, 2014 we sent a bill for $212.49 due on December 18, 2014. On...

December 30,2014 we hadn’t received a payment and mailed a Notice of Cancellation. This notice stated that anamount of $212.49 must reach us by January 15, 2015 or the policy would cancel January 16, 2015.No payment was received and the policy cancelled for non payment of premium effective January 16,2015. The amount owed to us is for coverage from December 18, 2014 to January 16, 2015 in theamount of $198.07.In reviewing the policy notes, there was an attempt by the member to cancel the policy but he refusedto sign a cancellation request effective the day he advised he received insurance elsewhere. Theagency advised him if he cancelled the policy prior to receiving insurance elsewhere, he would have alapse in coverage. He refused to sign the cancellation request form and left their office. Please seepolicy note below.
If the member can provide me proof of coverage via declarations page of when he received insuranceelsewhere, I would be happy to adjust the cancellation date. My contact information is, fax number###-###-####, email [redacted] and my direct phone number is ###-###-####.Once I have proof that he received insurance elsewhere, I will adjust the policy and mail him a letteradvising the policy has been adjusted.
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####.
Sincerely,Tiffany C[redacted]

[redacted]
Thank you for your recent inquiry regarding a complaint you...

received from [redacted]. As Central Sales Operation Support Manager, I have reviewed this 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 [redacted] Agency hours of operation, including agent [redacted], are Monday through Friday from 9:00 am to 5:00 pm, EST. During and after office hours, current and potential members seeking assistance by phone have the option to speak directly with the local agency or with our customer service center for policy assistance.
Agent [redacted] quoted [redacted] the Nationwide homeowner policy discount at inception while [redacted] attempted to repair required remedies to his home to qualify for a Nationwide homeowner policy. The remedies were not completed within the ninety day binding review period, thus the Nationwide home discount was removed which increased the premium. [redacted] contacted the Johnson agency with questions and the non-Nationwide homeowner discount was added to the policy, which decreased the outstanding balance to $75.89.
As for the referenced service issue, a billing statement was mailed to the confirmed address in the amount of $75.89. [redacted] remitted a payment by MasterCard ending in 7266, on March 21, 2014. Nationwide customer service received a debit dispute request, from [redacted]’s banking institution, in the amount of $33.00. The $33.00, per [redacted]’s request, was refunded to the MasterCard ending in #### on May 7, 2014.
Policy number ######, cancelled on May 15, 2014 with an outstanding balance of $33.00. The final balance is correct and warranted. The agent operated in due diligence of a potential homeowner policy of which [redacted] was aware, thus a write-off is not a permissible agreement in this matter.
[redacted]
Nationwide Insurance Company
[redacted]
Based on my review, this inquiry was properly handled. However, I am sorry that the outcome was not satisfactory to [redacted]. We strive to meet needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to contact me.
Sincerely,
[redacted]
W| ###-###-####

Thank you for bringing this issue to our attention, and thank you for notifying us of the unsatisfactory service Ms. [redacted] received during the claims process. We have taken the appropriate actions and have spoken to the Nationwide claims representative who provide the poor claims...

service to [redacted]. We have also reviewed the discrepancy in the amount paid to Ms. [redacted] and the balance has now been paid in full.If you require further assistance, please contact our Customer Advocacy Coordinator Joey Lopez, at ###-###-#### or by email at [redacted]@nationwide.com.
Sincerely,Christopher H[redacted]Claims ManagerNationwide ###-###-#### [redacted]@nationwide.com

First of all we were immediately contacted by an emergency adjuster on March 2 who told us he could not do anything at the time and it would be assigned to an adjuster. We did not hear from [redacted] until 6 days later when he notified us he was coming from [redacted] admitted to us he forgot items such as roof and office in his claim. We were told by the catastrophe team to contact [redacted] and they bill Harleysville directly. We would have not even known about [redacted] if we were not instructed to contact them. [redacted] did the inspection the same day [redacted] was at the house. They decided together what to treat. We were also told by the catastrophe team to hire someone to shovel off the roof and tarp the roof and submit the receipt because they were going to pay for it. This was not a "courtesy". This is what we were promised by Harleysville. So we hired someone because even after the snow was completely off the roof the roof was leaking. We lived in this house for 1 year. I understand there may have been previous damage however we had no water coming in the house. Even currently with the roof tarped we informed Harleysville that the roof is still leaking when it rains. After [redacted] did the inspection I was left in limbo. I tried to call and find out the status of our claim because we are still currently living in a construction zone and no one called us back. 2 weeks passed. One day a check shows up in the mail.  I requested a readjustment not only because of the roof but because [redacted] did not include the office or the shed, electricity, roof tarping in our claim. If you note the dates it was 2 weeks before we got a readjustment. I was again in limbo with no call back and at this point we were assigned [redacted] as our contact. She would say "Let me find out" and I would receive no call back for days. My wife finally contacted a manager and the manager apologized and stated after 2 weeks we still did not have an adjuster assigned. After talking to the manager we received a call from [redacted] that night. My wife was also present the day [redacted] came to the house. [redacted] never once stated that we need to remove the tarp to have it inspected. He stated he had the pictures from [redacted] and that was enough. We told [redacted] that it was still pouring in water in the living room when it rained. He said that it was noted to have previous damage however because we had no water before winter in the house that sometimes the insurance company will split the cost of the roof. He also noted the things [redacted] did not include in the claim and increased the dollar amount for paint because he stated [redacted] definitely
 did not cover all the paint. Now once again after the readjustment 2 weeks passed with no contact. I tried to call [redacted] multiple times. The 1 time she called my back she said that the readjustment was not back yet and she would find out what was going on and call me back. That was on 4/29. But once again [redacted] never called me back. I left [redacted] multiple messages with no return. [redacted] also never informed us that they would do a roof inspection if the roof was untarped. And once again a check just showed up in the mail with no explanation. We have not been able to fix anything do to this outstanding claim and are still living with half a kitchen a tarped roof and open walls. We do not appeciate this response as some of this is untrue. I would be happy to have a roof inspection if Harleyville paid to have it untarped and retarped. We understand there was previous damage but like I said we had no leaks until winter. We would like a part of the roof covered. What is the point of having insurance when we pay but you don't deliver. And also up until this notice [redacted] has not contacted me once despite my multiple messages to her. We have been in contact with our lawyer to proceed further as we are just getting the run around. Our neighbor who had damage started their process after us and there damage is already fixed and their lives are back to normal as we still live in construction.  We started this process on March 2nd and 3 months later this has still not been resolved.
Regards,
[redacted]

I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $200 bonus. She has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per...

household.I do apologize for our error. The bonus has been posted to the checking account. We appreciate the opportunityto research and correct our error.
Sincerely,Anne C[redacted]Nationwide Bank