Nationwide

his letter is in response to correspondence dated March 30, Our company representatives have addressed Ms [redacted] ’ concerns multiple times Ms [redacted] may not be satisfied with the information provided in our prior responses The company has directly and accurately responded to each inquiry and considers this matter closed Sincerely, [redacted] ###-###-####

[redacted] [redacted] *** [redacted] *** [redacted] This letter is in response to your inquiry dated July 30, regarding the cancellation of [redacted] ’s auto policy On July 28, the policy was rejected for insufficient proof of prior insurance for the dates of December 12, to May 02, Review of our records shows [redacted] contacted our Service Department on multiple occasions and was advised to provide proof of prior insurance from November 2, to May 2, 2014; to prevent her policy from being company cancelled effective July 28, [redacted] provided documentation which was forwarded to our Underwriting Department for review to determine if it was sufficient to retain her policy However, on July 30, 2014, the policy was company cancelled effective July 28, due to [redacted] not providing proof of continuous coverage from November 2, to May 2, The Service Department was not advised whether or not the documentation received was sufficient to retain the policy, prior to the policy being cancelled I apologize for the poor time service and for any inconvenience or frustration it may have caused [redacted] She may contact agent [redacted] at ###-###-#### to discuss her coverage options Sincerely, [redacted] ###-###-#### [redacted]

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

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to meI will resend proof of my insurance to [redacted] in the following days Regards, [redacted]

9pt">To whom it may concern: Thank you for your inquiry concerning the above named memberBelow 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 officeMs [redacted] was advised of these restrictions and what additional coverage she would need to purchase in order to insure these itemsMs [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:AMAt 12:PM that same day, the claim was assigned to a Nationwide representative, and this representative was able to verbally contact Ms [redacted] at 6:PM that eveningA 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, in the amount of $467.25, check number [redacted] · On September 2014, Ms [redacted] owed a total of $to Nationwide, and a bill was sent for $due by September 29, (see attached) · Since a payment was not received, a $late fee was assessed and a Notice of Cancellation was sent for $due by October 23, If this payment was not received by October 23, 2014, Ms [redacted] ’s policy would cancel effective October 24, 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, A total of $was credited to the billing account for unearned premium, and this left a total of $due by Ms [redacted] This amount due is for insurance protection provided up until the date of cancellation of October 24, On October 30, a Payment Notice was mailed to Ms [redacted] requesting $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:AM and 4:PM

I called Nationwide times within a mintue spanThe first call a woman had me on hold for over mins and didn't see if I needed further helpThe second call the lady had me on wait while she stared at the computer for mins, then I had toask her what she was doing bc she wasnt commucating anything to me, so after saying hello times she told me that she couldn't give me any info about MY policyThe third lady refused transferring me to the manager It sounded like I was speaking to yr old girlsStart hiring people who know what they're doing [redacted] and [redacted] were no helpI wish I got the name of the first lady bc she was the worst of them all

This letter is in response to the inquiry received from your office on July 6, Please note that we resolved MrYates’ claim with him on July 2, in exchange for a Release of All Claims 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] [redacted] Commercial Claims West Nationwide Agribusiness Insurance Company Phone: ###-###-#### Email Address: [redacted]

A well written form letter does not begin to address the issues with this company I take issue with a number of statements in the response which are deliberately misleading and inaccurate The service agreement does not differentiate between services and installation Services are services and the statements do not contain defined terms that limit such When the agreement was sold to me, installation discounts were used as an example of savings, further indicating that the agreement and its associated discount was intended to cover any service provided by Favret I relied on this when I purchased the agreement in the first place, and Favret did not live up to its end of the bargain either on discount or priority service This deliberately mislead me and others who have signed such agreement Without a transparent discount, there is no value to purchasing such agreement - it does't save money on "checkups" and basically just allows Favret to collect money upfront for services that later do not meet expectations I was told EXPRESSLY that the location of my unit had been evaluated by Favret personnel, and a crane would not be needed Any other position was never presented or discussed, nor was this a legitimate reason for the delays and/or lack of compliance with the services agreement No one was willing and/or able to explain any of the repairs in any level of detail AND there was no willingness to provide transparent pricing or even articulate the portion of the estimate attributable to parts or labor There was a great deal of pressure to sign a contract for an entirely new system right away because allegedly the auxiliary system that was heating my house was not able to support my heating needs These statements were misleading and created a sense of urgency which I believe was intended to scare me into purchasing more than what I actually needed and stop asking questions I have not had the heat pump repaired by another vendor and have not voided any agreement Once I got a competing estimate and did due diligence with providers who were willing and able to provide complete information on options, I now understand that I can wait to have this repair done when the weather is warmer and it is convenient for me and I am able to use the auxiliary equipment for as long as I need This was not simply a poor customer service experience I relied on a service contract, experienced excessive pressure to purchase thousands of dollars of equipment that I do not need without explanation or transparency Out of fear and exhaustion from the process, I was ready to sign the contract and was then told that it would be several days before the work would be done (after I was assured the work would be done the next day, complete with confirmations that no crane was needed and that it would be done in a single day since the expected date of services would be a Friday) By approaching the situation in this fashion, I was backed into a corner regarding the repairs because it is difficult to have things done over a weekend by another provider.I restate my original demand here which is more than fair for the horrendous and offensive experience and the time spent being unduly pressured to purchase an entirely new HVAC

I purchased comprehensive insurance from nationwide on my brand new RV on the recommendation of the dealer All of my other insurance is with another carrier I had heard nationwide's tag line that they are "on your side." That has not been my experience at all My camper was involved in a minor accident requiring the replacement of a piece of sheet metal on the port side I felt as if nationwide was my adversary rather than my ally I was prepared to pay my $deductible, but nationwide chose to get into an argument with the shop who repairs campers all day everyday over the proper way to do the repairs They also went out of their way to bad mouth the repair shop Ultimately the shop reduced their estimate by approximately $1200, but nationwide was still unwilling to pay the full amount above the deductible I was left holding the bag on an additional almost $of the repair cost, and the arguing back and forth kept my camper out of commission for almost months I would never recommend nationwide as an insurance carrier to even my worst enemy I think they need to change their jingle because they were definitely not on my side

My complaint to the Revdex.com in this instance strictly concerns the termination of one policy and associated issues The response by Nationwide is highly inaccurate in many respectsHowever I will limit this response to those matters connected with the policy termination issues which I complained to the Revdex.com about I will be making further complaints to the appropriate bodies about the other issues raised in this response Nationwide state “Upon the home inspection, repairs were found to be needed and a day notice of cancellation letter was sent to [redacted] At that time, the home was also determined to be vacant.”This is untrueThe first notice of cancellation I received was by email on December 11th The only times an agent was in my home was in early July and early December There was no sixty day termination letter I was told by email on December 11th that the policy would terminate December 13th This followed the second visit to my property by a [redacted] of Nationwide on December 4th “The agent was uncertain about whether [redacted] would like to cancel his policy before the days but said that [redacted] still has not submitted payment or provided signature for the new homeowners policy.”This statement is blatantly untrue.I was advised by my attorney that I needed to send forms to [redacted] and I did so on December 13th I have the email where those forms were sent in I ALSO HAVE THE EMAIL WHERE [redacted] ACKNOWLEDGES RECEIPT OF THOSE FORMS ON DECEMEBR 13TH When I contacted the main Nationwide office in mid January to ask after my check I was told that the the policy had not been canceled so no difference check had been written Subsequently I have been sent a demand for money by the [redacted] agency despite my original, more expensive, policy having been paid up until May In summary Nationwide told me of termination of my original policy with days notice I filled in the forms by their deadline of the 13th December 2013, even though I only received the correct form that I needed to sign at 3: PM on that day No action was taken on receipt of these forms and in their response to my complaint Nationwide now deny receiving themThis is an untrue statement and have attached the documents showing this Regards, [redacted]

Thank you for your recent inquiry regarding the concerns you received from Nadir [redacted] As a member of the Central Sales Operations Support Team, I have asked agent, [redacted] to provide a detailed response to Mr [redacted] ’s concerns [redacted] had a personal lines auto policy The concern regarding the policy cancel issue Our underwriter, [redacted] ***, mailed a letter to [redacted] on October 25, notifying him that his policy would not be renewed on January 15, The reason for the non-renewal was due to Mr [redacted] not providing us or the agency with the driving information for his son, ***, who was a driver in the Household A copy of the letter is enclosed The [redacted] Agency does not have the authority to cancel a policy without a written request from the policy holder Mr [redacted] was given a copy of the non-renewal letter by the agency and understands that his policy was cancelled because he failed to provide pertinent information to underwriting The [redacted] Agency has no influence over this company decision Further, Mr [redacted] went to the agency on February 7, trying to get his policy reinstated, and signed a Statement of No Loss A copy is attached Mr [redacted] then tried to file a claim stating the vehicle was stolen, with a loss date of February The policy was not reinstated Thank you for bringing this matter to our attention We trust this will resolve all pending concerns If you should have any questions or wish to discuss the matter further, please feel free to call [redacted] , Office of Customer Complaint Coordinator at ###-###-#### or email her at [redacted] @nationwide.com

This letter is in response to the complaint filed with your agency by [redacted] regarding the past due payment owed to Nationwide and effort to collect the debtI 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 a Nationwide Homeowners policy was issued for him without his knowledgeHe states that he requested that it be cancelled and that he was still billed for a portion of the premiumHe indicates that the account was eventually sent to the Collections department [redacted] has requested that his Nationwide Homeowner policy is cancelled back to the date of inception and that the collections efforts are terminated I have confirmed that [redacted] ’s policy has been cancelled back to the date of policy inception- September 30, and there is no money owed on the accountThe Collections department has been advised to close the collections accountThey will be sending [redacted] a closure letter I sincerely apologize for the inconvenience that this matter has caused [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] ***

I am in receipt of the Consumer Complaint generated by [redacted] Calibri;">Her concerns noted in the complaint indicating that she had problems with her check and that she feels the associate who handled her case, did not keep their commitments After further review of the customer’s auto claim, for an accident that occurred on April 21, 2013, it appears that she was a passenger in a vehicle that she owns and was being driven by [redacted] , our Bond Holder [redacted] was found 50% liable for the accident and [redacted] made an injury claim at that time which we honored in full We settled [redacted] injury claim and received her signed release on May 29th, where we agreed to pay her $for her general damages and to set aside $for her treatment she incurred during the agreed upon time frame Payments were issued as follows: · $for general damages on May 29th, · $for medical treatment incurred at [redacted] for dates of service 4/22/13, 5/7/13, 5/20/This payment was issued on June 20th, · $for chiropractic treatment from 4/25/to 5/10/to cover a total of six treatments This payment was issued on June 20th, We contacted [redacted] on June 20th, to inform her that the reimbursement of her treatment was being completed this day and confirmed that this should conclude her claim At this time, there was no mention of any issues with her general damages check that was issued in May We received a call from [redacted] on January 30th, and reached her on January 31st, At this time, [redacted] requested information as to why [redacted] ’s bond policy premium increased as she pays the premium for his bond My associate in turn reiterated that we found [redacted] to be 50% liable for the accident and due to payments being made and his portion of liability most likely caused the increase She further stated that she never received the checks that we promised her we would pay for injury claim At this time, we confirmed that we sent the payments to [redacted] ’s address [redacted] instead of her address [redacted] My associate then recalled copies of the cashed checks to verify who signed them These checks are attached my response After review, the signatures appear to match [redacted] We contacted her back later that day and discussed this with her as well as sent a copy of the checks to her I then received a call from [redacted] regarding the same issue on February 6th, and informed her that the signatures appear to match the signature on the release that she signed and sent back to us on May 29th, She inidicated that she did remember signing the release that was sent to [redacted] ’s address in error At that time, I informed her that if someone cashed her checks fraudulently, she should contact [redacted] to address this issue I provided her the customer service phone number for her to address her concerns with the bank At this time, it is my understanding that [redacted] would need to address any further check issues with the bank as we kept our commitment to pay for her economic and non-economic losses as a result of this accident and provided her copies of all cashed and signed checks If you have any further questions or concerns, please do not hesitate to contact me directly as I am more than happy to address any further concerns you may have Thank you for allowing me to respond to [redacted] concerns as well Sincerely, [redacted] ***###-###-####

I live miles from golf course [redacted] [redacted] is a golf cart communityWhen you live in [redacted] home, golf cart is covered I have spoken with other local agentEvery agent states golf cart is considered a property if you live in [redacted] ***I request Nationwide to speak with local agents( [redacted] for example) Regards, [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 lienholderInsured 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] ***

We acknowledge receipt of your follow up inquiry dated September 14, We are responding to a response from Mrs [redacted] where she provided a copy of an email suggesting amounts that were not covered by the other carrierAs outlined in our previous communications with Mrs [redacted] , the email provided is insufficient to support her claimShe will need to provide copies of the actual invoice for emergency mitigation and either the invoice with a complete breakdown of the repairs completed or a contractor’s estimate on the company document with a complete breakdown of anticipated repairsMrs [redacted] advised she would forward a copy of the emergency mitigation receipt as well as the contractors estimate for us to review for a supplemental paymentOn September 16, an email was sent directly to Mrs [redacted] ’s contractor in order to obtain a copy of his repair estimateThe email was returned as undeliverableA copy of the delivery failure was emailed to Mrs [redacted] today and with the request that she provide a copy of the estimate to our officeAs of this writing, we have not received the requested documentationThe above referenced file remains open pending further documentation to support a supplemental claimIf you have any additional questions regarding the claim please feel free to contact the undersigned at ###-###-####Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at ***@nationwide.com

This letter is in response to the inquiry received from your office on February 8, We received a letter from the policyholder in January for a number of issues he stated had occurred at his home He referenced freezing pipes, water damage, vandalism of his property, damage to an RV and boat It was explained that each of the events reported would have to be a separate claim if the member chose to pursue The captured claim was handled for the covered event of the water leaking from the refrigerator The loss was handled timely and paid per the terms of the policy contract We asked the policyholder on numerous occasions if he would like us to open a separate claim for the other occurrences, including his theft claim We did not have authorization from the member to open additional claims until December 9, where he did request a claim be captured for the theft loss This newly captured theft loss is currently under investigation and is being handled appropriately to the facts of the claim and the regulatory requirements for the area We have continued to move forward with our investigation and assisting the member in supporting his loss Once the investigation has been completed we will assess coverage for the claim We have requested a certified copy of the insurance policy for the policyholder on two separate occasions and have forwarded that information to the address he has provided to us We remain committed to assisting the member through the claim process as expeditiously as possible 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] @nationwide.com Sincerely,

This is insulting to my intelligenceThis company "proactively" called me to inform me they would like to pay the interest that I paid over the plus days it took to close this claimThe issue is that my claim with the Revdex.com was not for interest but for one full months car payment ($527), that I had to pay while not having a carI paid months, but felt that month was reasonable, when in reality once my car got to the correct [redacted] garage it took about hours to build a quote The ball was dropped by the insurance company, taking a [redacted] to a garage where they obviously have a standing agreementIt was no surprise to me that they did not have the equipment to fix this type of car which added to the delayThis company (Nationwide) has debited money out of my account automatically for years Now that it is time to pay a very insignificant amount to a customer for the worst customer service experience ever, it is like pulling teeth If the representative from Nationwide was without a car they were paying on, for weeks what would they expect from the company who was directly liable? I requested $which is equal to one months car note for this vehicle, and I was willing to accept and pay for the second month It is despicable, and unprofessional for Nationwide to infer that my request was for interest paidThat is not the truth

[redacted] *** [redacted] [redacted] [redacted] *** [redacted] [redacted] [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 policyI 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 yearHe does not feel that the rate increase should be higher that the cost of living increase in his areaHe 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 premiumHomeowners insurance rates are based on a variety of factors which include the cost of doing businessCost of living adjustments are not one of the factors that would impact or limit the application of the rateChanges 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 renewalThis 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]

Please accept this letter as a formal response to your questions regarding [redacted] (K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide)I appreciate the opportunity to address your concerns[redacted] ***has chosen to terminate their plan with Nationwide and move to a new provider, a company called [redacted] The employer was notified on August 19, that our procedures for plan termination include a blackout period, during which no withdrawals can be processed from participant accountsThis blackout period, as indicated to the employer, begins the day we receive the Asset Transfer Request FormWe received this form from the employer on August 21, 2015, effectively beginning the blackout period.I apologize if there was miscommunication from the employer in regards to when the blackout period was to beginUnfortunately, once the period begins we are unable to process participant requestsParticipants must make any requests for withdrawals through the new providerWe did not receive paperwork for the rollover from Ms [redacted] until September 9, 2015, which was after the blackout period had begun.With regards to the fund loss in the account, this is due to the participant chosen investment option, the Nationwide Money Market fundThe rate of return an fund prospectuses are available to participants to review before making investment decisions [redacted] also provides access to a third party investment professional that is able to assist participants with making investment decisionsThe rate of return for the money market fund is reported on the website, YTD of -0.64%This information is readily available to participants before making a decisionNationwide is not able to make recommendations, only perform exchanges upon request.The liquidation of the [redacted] account is scheduled to occur October 22, Once the transfer of assets to Paychex, Inc is complete, Ms [redacted] can request the rollover of her funds to her IRA.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would beginShould you have any additional questions or concerns regarding this matter please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.mEastern time.Sincerely,Nicole T [redacted]