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I had Nationwide insurance for close to 5 years before I finally had enough with them and switched to Allstate. Nationwide's policies were awful and their customer service was some of the worst I have ever experienced. While with Nationwide I was in a car accident, a very bad car accident which was from no fault of my own. Telephone lines were down in the middle of a dark road and I was doing the speed limit but could not avoid them since it was late at night. My car was badly damaged and I seriously hurt my back. Even though I had medical coverage they took months to pay my bills. The CSR I spoke with told me it would be paid and not to worry about it. After months it still wasn't paid and I had to get my lawyer to make a phone call. As if that wasn't bad enough, they made me have my car fixed at one of their approved garages which I had no control over. This garage did the worst job I have even seen. They needed to repaint the car but when they did, not only did the paint start to chip off, but they left paint drips in numerous places. When I called Nationwide they told me there was nothing they could do and I would have to take it up with the garage who did the paint job and of course the garage didn't care. So Nationwide stuck me with a garage I didn't even know or trust and now I was left with a horrible paint job which would take a few thousand dollars to correct. Never again will I trust Nationwide. They aren't there for you when you need them and instead of helping you through a horrible accident they just add to your problems.
I have had Allstate insurance for about 3 years now. Overall I am happy with the customer service except when they try to sell you more stuff. For example, I recently called to see what my rate would be if I dropped one of my cars that I no longer use. After we discussed this the CSR then tells me I could save even more if I purchased apartment rental insurance. The CSR was trying very hard to sell me even more insurance, of which I do not need and can't afford. So it was just a little annoying. Since then 3 more CSR's have called me just to try and sell me the apartment renters insurance. Other than these few annoying details I guess I am happy with Allstate, although I haven't had any accidents so I really don't know yet how they will handle an accident claim if and when the time comes (let's hope it doesn't). One thing that does concern me with Allstate is the fact that every 6 months my policy keeps going up, even though my car gets older and I haven't had a ticket or accident in over 10 years. If it keeps going up I may just have to start shopping for another insurance carrier even though I don't want to leave Allstate.
I have the Chase Freedom Visa card and this is probably one of the best credit cards out there. The Chase Freedom Visa offered a $200 bonus a few months ago if you spend a certain amount within 90 days. I hit this bonus and on my next statement I was granted 20,000 bonus points, which in turn you can use as $200 cash back. You get to decide how you want your cash back, whether a check sent to you from Chase or as a statement credit. I chose the statement credit and it appeared 2 days later. I thought this was a great incentive to sign up for this card. I also love all the cash back reward programs they have. Currently I am getting 5% cash back on gas and restaurant purchases. The customer service at Chase is some of the best I have ever experienced. If I have a problem or question I email them and within hours I get a satisfactory response. So far this is my favorite card. I like Chase and hope to be a longtime customer with them.
I had a 4 year car loan with PNC. About 3 years into it I started having financial problems and I missed 2 payments. I called customer service right away to explain to them what was going on. I was waiting for a small cash settlement to come in and informed customer service that as soon as the money came in I would be making my payment to get my loan current again and I would also be making the next month’s payment to get myself a little ahead. I asked the customer service rep if this would be satisfactory and they said yes, it was no problem. On the day my settlement came in, which was only 5 business days after the CSR said it would be satisfactory they came and took my car away. No warning, they just took it. I had no clue they would do this since the CSR assured me as long as I made my back payments in the next 14 business days I would be fine. I thought someone stole the car until I called the police and they informed me PNC took it. I was furious and called the customer service rep I had been dealing with. She then informed me there was nothing she could do and the only way to get my car back would be to pay off the entire loan. This of course was nothing like what we originally discussed. She lied to me and told me things that she couldn’t even follow through with. If I had known they could not wait for my cash settlement to come in I would have borrowed money from my father to avoid this whole mess. I realize I messed up by missing 2 payments but the CSR clearly lied to me about what my options were. So needless to say, I will never go to PNC bank for any financial needs again.
I first started with Wachovia back in 2008. Then I was transitioned over to Wells Fargo when they acquired Wachovia. It was a smooth transition and not much changed with my account. I also received my new debit card on time without any hassles. I only have a checking account with Wells Fargo. I used to have a Way To Save account with Wachovia, where everything you purchased with your debit card they would take $1 and transfer it to you Way To Save account. Wells Fargo has since done away with that. It's not such a big deal to me though, since I always used to transfer the money back into my checking account since I needed it. So far I guess I like Wells Fargo, much more than Bank of America. Their customer service is alright, but not as good as you would get with a local bank. Sometimes they take care of my problems right away and with little fuss and other times it takes the customer service a few days to get back to me. Besides that, I would say Wells Fargo is good for a basic checking account. When I get around to using more of their financial services I will update my review.