Nationwide

RE: Second response to the Ms [redacted] complaint to the Revdex.com on 2/15/ # [redacted] Dear Ms [redacted] ***: My response to your complaint is the truth and was nothing more than stating what took placeOur associates were not falsely representing our servicesThis all took several days and many conversations about this work, about our discounts, and explanation after explanation from different conversation with different associates saying the same thing to youWe even had a phone conversation with someone representing themselves as your husband that was very hostile to everyone hereThat surely did not help mattersI will apologize to you for what you felt we let you down in meeting your expectation of our services All the different conversations everyone from here had with you were straightforward and not trying to pressure you into a decisionWe quoted several options trying to tailor each to your needsWe responded to each of your questions in a timely manner and gave you the multiple quotations from all the conversations Our Service Maintenance Agreement is a significant cost saving when compared to our regular service ratesIn your case it saved you over three hundred dollars if you were to be charged our regular service rates for the two service callsYour Maintenance Agreement saved you moneyYou also received priority service and we worked with you to make these calls fit your schedule by arriving on our first call in the morning I was told you were selling this condo and you were expressing how upset you were to have to invest in this repair before selling itThat is very understandable and we were trying to lower that cost to you with every quoteWe even talked to our supplier and asked them for help to lower the cost on the equipment That effort was then passed on in one of our quotes to youIt was apparent from all the conversation about this work it was about the priceThe request for transparency with our pricing was about you wanting a lower selling price You never agreed to our work nor signed anything to that affect My offer for a concession in your situation is still on the table to resolve this You have already used over half of your Service Maintenance AgreementYou used two of the two service calls under the Maintenance AgreementThe resolution offer of $paid to you is half of what you paid us over eight months ago for the one year Maintenance AgreementWe will issue a check to you for this amount once this is settled Our customer’s patronage is important to us, and again we sincerely apologize for not meeting your expectation of quality service Thank you again for bringing these matters to my attention Sincerely, Mark Favret President

To whom it may concern, Thank you for taking time to speak with me about this loss today I will attach a copy of the last email that we sent to [redacted] in regards to her claim and what is still pending Thank you very much Thanks [redacted] Homeowners Claim Li ###### [redacted] to [redacted] Good morning [redacted] I am following up for your adjuster *** on your claimPlease let us know if you plan to send us receipts or invoices in order to recover depreciation on your repairsIf you do intend to be reimbursed for the depreciationPlease send those receiptslinvoices to *** at email: [redacted] , fax ###-###-#### or mail: [redacted] If you have any questions call *** at ###-###-#### or me a###-###-#### Thank you and have a great day [redacted] ###-###-#### ###-###-#### [redacted] This policy is underwritten by Nationwide Mutual Fire Company claim #####- [redacted] *** to [redacted] Sharon, just following with you on the status of the repairs to the outbuildings Thanks, [redacted]

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

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

Dear [redacted] The following is our response to the Revdex.com in reference to the above mentioned concern received on March 6, On February 10, 2015, Nationwide Associate [redacted] (***) prepared an initial estimate to repair damages on [redacted] ’s car On February 23, 2015, [redacted] ’s chosen repair facility sent in a supplemental request for additional repairs [redacted] called [redacted] on the same day to explain that he was instructed by the repair facility on February 10, 2015, that he was not allowed on their premises and as such he could not perform an inspection at that location [redacted] and [redacted] spoke on February 24, 2015, and he informed her that it would be her responsibility to make her car available for inspection and followed up with her on February 25th ***’s manager also spoke with [redacted] ’s spouse on that day [redacted] followed up with [redacted] on March 2nd and on March 4, 2015; [redacted] advised [redacted] that the vehicle would be towed to a location on March 6, for an inspection [redacted] inspected the vehicle on March 6, and determined that the vehicle was a total loss The terms and conditions of [redacted] ’s insurance policy does not provide coverage for towing expenses incurred as a result of the insured’s chosen repair shop’s decision not to allow Nationwide to inspect the vehicle on their property Although this tow was not paid/reimbursed, all other tows have or will be reimbursed Nationwide’s automobile insurance policy provides coverage for towing when the vehicle is disabled or to protect the vehicle from further damage and further requires the policyholder to make the damaged property available for our inspection If you have any questions or concerns, please feel free to contact me at the number or email provided below Sincerely, [redacted] Material Damage Auto Claims Nationwide Claims ###-###-#### [redacted]

Thank you for your letter regarding our member’s concernsI have reviewed the file to determine what transpired during our member’s accident and tow event In regards to our member’s concern pertaining to the delay in acquiring a rental Our Non-Injury Claims Adjuster spoke with our member regarding loss of use coverage Our member’s policy does not have loss of use coverage to provide a rental In order to ensure all options were reviewed, our adjuster also contacted our member’s agent and requested a signed application, which was added to the file, showing rental as declined A supervisor also advised our member regarding not having loss of use on their policy No claimant information was provided to us or the police in order for us to review subrogation opportunity An independent, third party tow company was dispatched to move our member’s vehicle from the storage facility to a repair location Member advised (Titan) Nationwide that there was damage to their vehicle Nationwide opened a damage complaint with the third party Pictures and estimates were provided to them for review The damage complaint was opened in order to attempt to resolve the matter without a claim being opened on our member’s policy The company denied the liability of damage based on the damages sustained would not be areas that come in contact with the type of tow truck used to move our member’s vehicle Nationwide requested a re-review by the third party A denial of liability was sent to us Our member was contacted on 9/28/and advised of the denial on both the initial review and the re-review Our member was then advised of the options available The option of opening a claim with Nationwide would require the member to pay their deductible and Nationwide would then pay any charges in excess of the deductible Should Nationwide’s claim investigation determine that there is subrogation opportunity, meaning there is sufficient evidence to determine damage was more than likely caused by the third party, Nationwide would pursue subrogation in an attempt to acquire the member’s deductible along with any expenses Nationwide incurred to repair the vehicle My unit advised the adjuster of third party’s denial Our adjuster attempted to reach our member on 9/29/and left a voicemail requesting a return call at their convenience to review the member’s concerns and to advise on next steps within the claim process Unfortunately, as of 11/3, the adjuster has not received a return call from our member Our member’s adjuster has reviewed the photos and determined the vehicle damages are not consistent with the facts of loss relating to tow damage The alleged damage the member is stating occurred during the tow would be a separate claim and have a separate deductible since the damage is unrelated to the initial accident for which the vehicle was being towed by the independent third party provider If you require further assistance in this matter, please contact our [redacted] , Charity W [redacted] #############, or by email at [redacted] Sincerely, Jennifer W [redacted]

April 19, 2017RE: Service call 404873, dated 3/21/at [redacted] Road, Columbus, Ohio 43202Dear Ms [redacted] :Thank you for notifying us of our complaintThank you for using our company’s servicesWe strive to provide our customers with the best possible service, and when they feel that it fails to meet their expectations, it’s important for us to know.We apologize that you received service that prompted you to contact us with a complaint, and we sincerely regret any inconvenience or frustration that this experience has caused youWe will review this with the technician and his supervisor as matter of standards when we have a customer disapproval complaint.Our technician did find your furnace operating when he arrived and further diagnosed a potential problem and then cycled the furnace and replaced the water panel insert in the humidifierHe then discussed that diagnosis and verbally made recommendations if it would fail againThose being repair or the other option would be to replace the furnace due to the age and cost involved in the repairsMost home appliances have a limited life and repairs are one factor that indicates it’s time to replace itIt is best to have these discussions before you make a repair and then have second thoughts about it.Resolution to your complaint: Since the furnace was operating when our technician arrived it was difficult to pin point what part had caused the problemIf we would have been called to double diagnose that problem our supervisor would have had another technician out at no charge on the basis we are human and do make mistakesAnd we do back up OUR WORKI will send you a check for the amount of the labor charge for this service invoice in the next week.Our customer’s patronage is important to us, and we sincerely apologize for not meeting your expectation of quality service.Thank you again for bringing these matters to my attention.Sincerely,Mark FavretPresident

My experience with Nationwide was absolutely terribleI work at a dealership and a mutual customer of ours bought a car so I called to set up insurance*** law is that on an insurance card, the name has to be displayed exactly how it is displayed on the customer's drivers licenseThis particular customer had a bit of a longer hyphenated name but I have dealt with this particualar issue with insurance beforeThe card came in and the name was abbreviatedThe next day, 10/15/14, I called back and spoke with a representative named *** and I explained to her the situation and she told me that there was no way that she could make the name fit, with attitude in her voiceI told her *** law and that for our mutual customer's purchase to be finalized, we need proper insurance cardsShe advised me that there was nothing she could doI told her that I would need to speak with a supervisor because I needed this taken care of in a timely mannerI was then put on hold for quite some time, it felt like ten minutes or so only to get back on the phone to [redacted] instead of the supervisorShe told me that her supervisor said to tell me that I should be directed to the escalating agencyI then said that I would still like to be transferred to the supervisorMy thinking in this is that I don't know if [redacted] spoke to anyone at all or if this supervisor got the full storyAt this point I am frustrated because I am not asking a lot by asking to speak with a supervisor, I just wanted to take care of our mutual customer [redacted] put me on hold once more only to get back on a few minutes later to say that her supervisor is refusing to get on the phone and that once again she is directing me to the escalating agencyI was put on hold one more time only for [redacted] to get back on the phone again to say that the escalating agency is closed and that she would take down my number for them to get back to me within the hourIt has now been hours and I still haven't heard backI asked for ***'s name and then I asked for the supervisors name which was given to me as " [redacted] ***" not sure of the spelling or if this is even correct because this [redacted] was not helpful whatsoeverI felt like I was being lied to the entire timeConsidering that when I called the Nationwide numbers, I had to go through several annoying prompts only then to be connected with someone as rude and unhelpful as [redacted] is awfulI won't be recommending Nationwide as an insurance carrier at my place of business ever again which is a shame

Dear [redacted] I am in receipt of your email dated December 19, I am providing you with the following information: · Policy Declarations · Billing Breakdown Policy [redacted] renewed effective December 14, 2013, with a term premium of $1, On November 14, 2013, a Renewal Declarations was mailed to the address on file advising of the Dwelling Coverage, listed at $451,100, and the new term premium The increase in the month premium, from $1,to $1,was due to several changes: · A statewide rate revision for the Nationwide Property and Casualty Insurance Company Insurance is premised on pooling similar risk exposures and they share in the benefits of that to develop manageable premiums The industry is highly competitive with each company using different strategies to ensure profitable growth and thereby serving their customers Like all competitors, we regularly review our performance and file any needed rate changes at a territory or characteristic level with the state agency that regulates insurance · Due to the Inflation Protection on the policy, dwelling coverage (A) increased from $438,to $451, With the change to Coverage A, Coverage B increased from $43,to $45,110, Coverage C increased from $307,to $315,770, and Coverage D increased from $438,to $451, · The removal of the Home Purchase Discount This is a five year diminishing discount that is available to New Business customers who have purchased their home within months of their policy effective date · The reduction of the New Home Discount This is a year diminishing discount that is available to customers who have a newer home Policy [redacted] renewed effective December 14, 2014, with a term premium of $1, On November 14, 2014, a Renewal Declarations was mailed to the address on file advising of the Dwelling Coverage, listed at $460,600, and the new term premium The increase in the month premium, from $1,to $1,was due to several changes: · A statewide rate revision for the Nationwide Property and Casualty Insurance Company Insurance is premised on pooling similar risk exposures and they share in the benefits of that to develop manageable premiums The industry is highly competitive with each company using different strategies to ensure profitable growth and thereby serving their customers Like all competitors, we regularly review our performance and file any needed rate changes at a territory or characteristic level with the state agency that regulates insurance · Due to the Inflation Protection on the policy, dwelling coverage (A) increased from $451,to $460, With the change to Coverage A, Coverage B increased from $45,to $46,060, Coverage C increased from $315,to $322,420, and Coverage D increased from $451,to $460, · The reduction of the New Home Discount This is a year diminishing discount that is available to customers who have a newer home Review of the policy shows the proper premium was charged for coverage provided; therefore, no refund is owed on the policy Unfortunately, Nationwide can not speak to the rates of other insurance companies If the member wishes, she can contact the Nationwide Sales Solutions Retention department, at ###-###-####, to have a new MSB (Marshall & Swift/Boeckh's RCT Express) conducted to determine the current Reconstruction Cost of her home Upon receipt of any updated information, the sales representative can contact the underwriting department to request any necessary changes If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext [redacted] Sincerely, [redacted] Nationwide ###-###-####, ext [redacted]

Attached is a copy of my April 4, statement from Nationwide stating mo payment April - May is $page It cleared my bank on 4-2-so it was not late Page attachedPage is part of your letter stating they cancelled on April 28, Insurance was paid through May 4, so why do I woe according to Nationwide $There is no reason for fees

Nationwide insurance deliberately disregarded having my payment information on file, resulting in them attempting to charge me an additional fee per month for continuing to have insurance through their companyI was a Nationwide Auto Insurance customer to On Jan 2016, I received a cancellation notice stating that my credit card had not been accepted and my policy will be cancelled by the end of Feb if I didn't take action I had been paying them using this card for quite some time, the bank had cancelled the card due to suspicious activity and had sent me a new card The letter told me to go online or call to update my credit card information to ensure my policy will not be cancelled On Feb 10, I went online and updated my credit card informationLater in Feb, I received a letter that my policy had been cancelledI called Nationwide to resolve the issue They said "You entered your updated credit card information but you did not specifically tell the website to charge that credit card for the outstanding billYour policy has been cancelled If you would like to reinstate your insurance, you will first have to pay the outstanding bill, would you like me to charge the credit card we have on file?" I could not believe the audacity of this statement I said "Yes" and on Feb 28, without giving them any additional information, they charged my card (which they had on file) for $I told them I would like to continue with the process to reinstate my insurance They had me go through all the information needed for a completely new account and told me the price This price was higher than my previous insurance but was the exact same coverage I asked why this is They told me that "rates are variable and change often Additionally, since you had a lapse in your insurance, we have to charge you an additional fee every month for the first six months during the new policy period." Again, I could not believe that they could knowingly say thisI asked the person I was talking if this fee could be waived considering the circumstances outlined above She said she would talk with the underwriters and return a call on the following day I was never contacted againThey had my credit card information on file, they were able to charge that credit card without issue, they cancelled my insurance anyway, then asked me to pay more money than I had been paying to reinstate the insuranceAdditionally, I am having to pay this fee to another insurance company due to having a "lapse in insurance" and I have received a fine from the state of NC for having a "lapse in insurance" These are terribly business practices They allow a customer's account to be terminated without having a competent human look over the situation and realize that all requests had been satisfied They provided misleading information stating that the customer could "update their payment information online" to resolve the issue

I insured my automobile and got renters insurance through this company The first few months I had no issue until they tried to auto deduct twice as much as my premium was in the beginning of March I called immediately and was told they never received signed documents (which had been sent) so the law stated they had to increase my policy I had them resend me the forms, which I signed and returned right away (again) via fax and email They did not get back to me again for another weeks which they claim was how long it took to process the paper work again They then still charged me the increase in premium for the time it took them to fix everything even though fault was on their end, they lost the original paperwork, then took forever to process the new paperwork

Thank you for the opportunity to address our member’s concerns Based on our North Carolina Underwriting guidelines, our member's Ecuador driver's license is not eligible as proof of prior driving historyHowever, since we did not take action to add the inexperience operator surcharge within the discovery period, we can make the effective date of this surcharge effective 12/26/as our member suggested Sincerely, [redacted] North Carolina Underwriting Manager

[redacted] This letter is in response to the complaint filed with your agency by [redacted] regarding her Auto policy [redacted] signed a cancellation form in the agent’s office on September 12, to have the above referenced new business Auto policy cancelled back to the inception date of September 14, The cancellation was completed on September 19, A refund check (#######) in the amount of $was issued on September 23, Per the new business refund guidelines, any refund generated from an initial down payment is held for daysThe refund check was mailed to [redacted] on October 8, If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , direct at ###-###-####, or by email at [redacted] Sincerely, [redacted] CSSS Customer Resolution & Response Team Nationwide Insurance Company ###-###-#### [redacted]

[redacted] Arial">Please accept this letter in response to [redacted] 's concerns related to the dividends on his policyI hope you find the following information helpful Policy details Owner: [redacted] Insured: [redacted] Policy number: [redacted] Case number: ########## found I've attached copies of the following documents: · Dividend history · Copy of Life Contract Our dividend scale is affected by many factors including mortality experience, investment returns (interest rates) and expensesTo determine the dividend scale, we update these factors based on the actual results of NationwideFor example, if Nationwide's actual investment returns go down, then the investment return factor in the dividend scale will be reducedEach year the factors in the dividend scale are updated, and a new dividend scale is determined [redacted] selected a primary dividend option of premium reduction with a secondary option of cast appears that [redacted] 's complaint refers strictly to the cash portion of his dividendsAs shown in the attached dividend history, this policy has continued to earn dividendsHowever, unfortunately in the last few years our dividend scale has trended down primarily because the company experience for the investment return and expense factors has been less favorableI've highlighted the dividend provision of the policy on page three, section four of the attached contract pages While we sympathize with [redacted] 's concerns, we can't honor his request to use the dividend scale on his policy as it could be considered discriminatory action For help when you need it If you have any additional questions, please contact me by calling ###-###-####, option #, extension ##### between 9:a.mand 5:p.mEastern time or by emailing [redacted] Sincerely, [redacted] Nationwide Life Insurance Company

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

I have had the displeasure of working with the [redacted] ***A agency, as part of nationwide, three times nowIn the first, I was sold a renters insurance, with itemized coverage for extra photo gear, as well as auto insurance The deal was ok and I specifically checked all itemized photo gear would be covered When I asked about the laptop and PC gear I was told it was part of the renter's insurance (FALSE: only theft, fire) alreadyI had some items priced WAY lower than value, no options, due to age I had some items that when died (PC monitor) from overheating, aren't covered; and I've been run around for MONTHS by this agency, with adjustors and agents not returning calls or emails I'm putting up this review to try to save others from dealing with ***; don't do it Check reviews, go with your gut; it's a snow job

[redacted] [redacted] *** [redacted] ** [redacted] [redacted] [redacted] I am again rejecting [redacted] responses based on the fact that Nationwide called in an engineer to come out to my home to an inspection due to [redacted] not coming to inspect what MY CLAIM was about [redacted] was untruthful on his report, his claim was that his finding where no damages and that the result of the storages was due to poor maintainsTry to lay blame on me the home owner and denied my claim See letter They sent [redacted] out to inspect the inside of my home and again he falsified the information in his report, down grading the cost $dollars However when it comes to a contractor who is going to be doing the work they look over what they need to do in order to fix the problem, there man power , and all materials needed to do the jobAll contractors are Revdex.com accredited [redacted] still avoids answering the question on how did she come up with the weight of my storage building roofs and can she provided me her brake down on how she came up with the $dollar total for their salvage cost? [redacted] tends to address claim estimates which I have already informed her that I would be contacting the contractor for informationI gave the statement that contractor stated to me over the phone However to address her concerns on this he has been notified and will be updating his bidAs I said these are all accredited contractors from the Revdex.com web site Concerning claim it took [redacted] several weeks to acknowledge that she had received claim estimate after I went back through the messages and pulled it out of the attachments that where sent to Nationwide through and by Revdex.com handling this complaint Regards, [redacted] ***

[redacted] *** [redacted] *** [redacted] ** This letter is in response to a complaint filed on 5/27/by [redacted] regarding a vehicle accident that occurred on 5/24/in [redacted] *** As of this morning, [redacted] (Nationwide Associate) reached out to [redacted] to discuss the claim status [redacted] was undecided as to where the vehicle would be repaired His main concern is the difference in aftermarket versus OEM partsHe had several estimates completed and OEM part prices were different between the shops [redacted] understood that he does not carry an OEM endorsement on his policyHe spoke with policy services yesterday to add coverage, but chose not to at this point due to the costThe issue has somewhat been resolved at this point – we are awaiting [redacted] to make a decision where to repair the vehicle so we can set up a rentalI provided [redacted] my contact information and he will call when he makes a decision Below is a breakdown of events: 5/24/Date of loss – claim reported at 10pm [redacted] was set up for a driappointment at [redacted] *** for 5/27/ [redacted] (Nationwide representative) spoke with [redacted] on 5/to discuss facts of loss and discuss coverage The estimate was completed on 5/27/at 9am and uploaded to Nationwide on 5/28/ [redacted] contacted Nationwide on 5/27/and spoke with several associates regarding rental and then requested that the check be issued to him [redacted] wanted to bring vehicle in for repair on 5/27/and get into a rentalWe had not received a copy of the estimate as of yet and the claim had not been paidThe associate suggested that [redacted] wait until he receives a settlement check so he is able to pay his shop of choice [redacted] also contacted Nationwide to obtain a rental, but was advised that the rental was for when the vehicle was getting repaired as his vehicle was still drivable The claim was transferred to claim adjuster [redacted] who reviewed the estimate with [redacted] and discussed a two-party check as [redacted] is still making payments on the vehicle [redacted] requested the check be issued to both him and his lien holder [redacted] contacted [redacted] again on 5/29/to discuss OEM part usage [redacted] was informed that he does not carry this endorsement on his policy and [redacted] contacted Policy Services so they could discuss adding the endorsement for future claims At this point, issue is resolved and awaiting decision from [redacted] for repair facility Thank you, [redacted] Nationwide Mutual Fire Insurance Company ###-###-#### [redacted]

Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by [redacted] It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the same/similar model/trimConfirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from [redacted] ***, but were informed that the customer had already disposed of the car seatIn an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing [redacted] advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchaseIn an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of paymentPayment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortlyI trust that I have addressed the issues within [redacted] ***’s complaintIf I can be of further assistance, please contact me at ###-###-####Sincerely, [redacted] Western Claims Titan Insurance