Ohio Representative Government Integrity Investigation.
Ohio Representative Government Integrity Investigation.
The Issue
There are simple questions to answer regarding the situation detailed below:
1. What specific statutes regulate the Ohio Department of Insurance from having jurisdiction over an insurance company headquartered in Toledo, Ohio that is mailing fraudulent documents from the State of Ohio?
2. If these alleged statutes exist, why did it take 8+ months to make this determination?
3. Why is the response letter from the insurance company to the Ohio Department of Insurance dated 6 days after the initial consumer closing letter was sent to me?
4. Why does the office of the Ohio Inspector General not find these issues problematic?
It seems the answers are not so simple...
In an apparent ploy to protect nationwide insurance companies headquartered in Ohio from justice for fraudulent activity, and follow the instructions given to them by these insurance companies, the Ohio Department of Insurance claims there are "statutory regulations" prohibiting them from performing the duties of that office. However, they are unable to cite these alleged statutes. The office of the Ohio Inspector General is compliant with these actions.
Fraud is a crime in any state and extending it to other states, as well as, the utilization of the U.S. Postal Service to do so compounds the issue, I believe. Whether the failure to act is due to bribery or other unlawful reasons, the Ohio Department of Insurance does not seem to be performing the duties of their office and needs to be held accountable.
In a very unprofessional response to my request to investigate, I received the following copied and pasted email message from the office of the Ohio Inspector General from an unidentified sender:
"The Office of the Ohio Inspector General does not find sufficient cause to open an investigation into this matter. This Office does not review or override the decisions of any court or administrative body. As they have indicated to you in several correspondences you need to file your complaint with the Indiana Department of Insurance where the company is located. Them stating to you in several correspondences they have no jurisdiction does not constitute a wrongdoing for us to investigate.
As far as your public records response from the Governor’s office, each agency has the ability to respond to public records request. Therefore you should send your request to the Ohio Department of Insurance and they will respond to your request."
Indiana is not "where the company is located." It is located in Toledo, Ohio and is not even my insurance policy or carrier. Failing to identify themselves, failing to cite alleged statutes that they make references to, and violating the Ohio Public Records Act seem to be typical deterrents from Ohio representative governmental entities in lieu of performing their duties. I will be proceeding to the next stage of legal action until I discover the root of these issues. It is apparent that all Ohio representative government entities protect the fraudulent companies in the state of Ohio at all costs.
For details of this subject matter, please contact Christine Piper, Analyst, Complaint Processing Unit Consumer Services Division at Christine.Piper@Insurance.Ohio.gov or phone # (614) 644-4904 with Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act requests for files and electronic communication records for File Number: CSD-0102557.
The link directly below leads to other Midwest related petitions. Any support, promotional or otherwise, is very appreciated. Together, we can hold our representative government entities accountable for their actions.
Below are the contents of a formal complaint submitted to the Ohio Inspector General at watchdog@oig.ohio.gov. This will be an active national petition until this issue is resolved satisfactorily. Documentation and specific information that I was unable to include in this petition but referenced below can be obtained through an Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act request referenced above. Some can be aquired from the office of Ohio governor's message board.
On February 28, 2024, I filed a complaint with the Ohio Department of Insurance Consumer Services Division File Number: CSD-0102557 against an Ohio based insurance group and third party administrator concerning a fraudulent document sent to me from Toledo, Ohio. Strategically, on October 30, 2024, over 8 months after I filed the complaint with the Ohio Department of Insurance, I received the following copied and pasted statements from Christine Piper, Analyst, Complaint Processing Unit Consumer Services Division in an initial "Consumer Closing" letter that I received:
"After reviewing your correspondence, we concluded that this issue falls outside of our jurisdiction. The policy in question is out of Indiana. The Ohio Department of Insurance regulates insurance carriers, agents, and third-party administrators in our state." It was also claimed that the Ohio Department of Insurance was "unable to provide the resolution [I] had hoped in this situation due to statutory regulations."
I sent the following reply to inquire about the specific statutes that were referenced because they were not initially cited. In a "Consumer Correct Closing" letter that I received on November 13, 2024, the Ohio statutes were still not cited and the insurance document that was attached is dated November 05, 2024, which is after the attached initial "Consumer Closing" letter that I received from the Ohio Department of Insurance on October 30, 2024, referencing its content.
My response to the original October 30, 2024, "Consumer Closing" letter:
"Thank you for the response. However, I have been led to believe by the Ohio Department of Insurance through verifiable downloaded electronic correspondence that the initial claimed course of action taken by the Ohio Department of Insurance was that a letter had been sent to the insurance company asking them to explain their actions. I believe this to be a legal action taken by the Ohio Department of Insurance requiring established jurisdiction. Over the course of several subsequent months, through multiple verifiable downloaded electronic correspondences, I was informed that my complaint was being addressed appropriately and that my patience was appreciated by the Ohio Department of Insurance. It is now past time for me to file the complaint with another state agency.
In the message that I received on October 30, 2024, it was stated that
"The Ohio Department of Insurance regulates insurance carriers, agents, and third-party administrators in our state."
In files that I sent to the Ohio Department of Insurance, it could be verified that the document containing the fraudulent claim that was sent to me has a physical address in Toledo, Ohio. The envelope that contained the fraudulent document indicated a physical address in Toledo, Ohio, and the envelope containing the fraudulent document was postmarked by the U.S. Postal Service in Toledo, Ohio.
These "insurance carriers, agents, and third-party administrators" are located in the state of Ohio and are funded in part by Indiana, and are in turn taxed by the state of Ohio based on this income. This is regarding a fraudulent statement contained in a document postmarked by the U.S. Postal Service from Toledo, Ohio. Please cite the specific "statutory regulations" that prohibit jurisdiction by the Ohio Department of Insurance in this matter that would justify the need for further Indiana resources being utilized to regulate Ohio based companies that commit fraud involving multiple states from within, and taxed by, the State of Ohio. Thank you."
Along with this message to Ms. Piper, I included photos of the document and the envelope from the Ohio based insurance group and third-party administrator that had been postmarked by the U.S. Postal Service in Toledo, Ohio, as referenced above.
As stated in my reply to Ms. Piper, this was a fraudulent statement denying my claim on a document sent through the U.S. Postal Service from an Ohio based administration service with a physical address in Toledo, Ohio, in response to a tort claim that I submitted in Indiana. This was not my personal insurance policy. This was a definite statutorily non-compliant denial of my claim sent from Toledo, Ohio, not Indiana. It seems very suspicious to me that it has been claimed that it could not be investigated by the Ohio Department of Insurance, and the specific statutes were not cited to explain this deficiency. It is equally suspicious that it 8+ months to make this determination after certain time limits expired. I also find Ms. Piper's repetitive assertions that I need to consult private legal counsel interesting as she fails to cite the alleged statutes she is referencing. When I take private legal action, it will include the State of Ohio.
The attached "Consumer Correct Closing" document that I received on November 13, 2024, that contained a letter from the insurance company, also addressed in Ohio, is dated for November 05, 2024, which is after the initial "Consumer Closing" document was sent to me referencing its content on October 30, 2024. It also failed to cite the specific statutes for the claimed "statutory regulations." After multiple attempts requesting the statutes to be cited regulating the Ohio Department of Insurance from investigating Insurance fraud in the state of Ohio, I received a "Consumer Correct Closing" message dated November 14, 2024, from Christine Piper Analyst, Complaint Processing Unit, Consumer Services Division. It is very apparent by the letter that was sent to the Ohio Department of Insurance by the company that these companies are very arrogantly instructing the Ohio Department of Insurance. This seems to be the same fraudulent tactic that was utilized in the company's initial denial of my claim, indicating a pattern. Again, I believe the initial inquiry sent to the company by the Ohio Department of Insurance required established jurisdiction by the Ohio Department of Insurance.
It was also stated by Ms. Piper in the "Consumer Correct Closing" letter: "Please be aware that insurance is regulated in the state where the policy contract is written, not where the company is based." These statutes are not cited, and there is no indication of where the contract was written regardless. There is also no reasonable excuse why it took 8+ months to make this determination. However, the fraudulent claim in the denial was definitely addressed and postmarked by the U.S. Postal Service in Toledo, Ohio. I believe that fraud is an actionable crime in any state and not merely a civil action.
On November 04, 2024, I submitted an Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act request for all electronic communication records regarding Ohio Department of Insurance file number CSD-0102557 from February 28, 2024, through October 30, 2024 for comparison. This request was submitted to the Ohio executive branch office message board. In a seemingly further attempt to impede justice for fraudulant activity in Ohio, the response that I received from Charles M. Holbrook, Assistant Legal Counsel, Office of the Governor, ph. #(614)644-4357 (Charles.Holbrook@governor.ohio.gov) regarding this request on November 15, 2024, claimed that the office of the Ohio governor did not possess records from other Ohio governmental entities. This response instead of forwarding it to the appropriate destination or advisement of what Ohio "governmental entity" I should submit it to. Perhaps through investigation, it will be determined what statutes would explain these very suspicious collusive actions of the Ohio governmental entities, as well as the fraudulent actions of the Ohio based insurance group and third party administrator that the State of Ohio is obviously protecting.
16
The Issue
There are simple questions to answer regarding the situation detailed below:
1. What specific statutes regulate the Ohio Department of Insurance from having jurisdiction over an insurance company headquartered in Toledo, Ohio that is mailing fraudulent documents from the State of Ohio?
2. If these alleged statutes exist, why did it take 8+ months to make this determination?
3. Why is the response letter from the insurance company to the Ohio Department of Insurance dated 6 days after the initial consumer closing letter was sent to me?
4. Why does the office of the Ohio Inspector General not find these issues problematic?
It seems the answers are not so simple...
In an apparent ploy to protect nationwide insurance companies headquartered in Ohio from justice for fraudulent activity, and follow the instructions given to them by these insurance companies, the Ohio Department of Insurance claims there are "statutory regulations" prohibiting them from performing the duties of that office. However, they are unable to cite these alleged statutes. The office of the Ohio Inspector General is compliant with these actions.
Fraud is a crime in any state and extending it to other states, as well as, the utilization of the U.S. Postal Service to do so compounds the issue, I believe. Whether the failure to act is due to bribery or other unlawful reasons, the Ohio Department of Insurance does not seem to be performing the duties of their office and needs to be held accountable.
In a very unprofessional response to my request to investigate, I received the following copied and pasted email message from the office of the Ohio Inspector General from an unidentified sender:
"The Office of the Ohio Inspector General does not find sufficient cause to open an investigation into this matter. This Office does not review or override the decisions of any court or administrative body. As they have indicated to you in several correspondences you need to file your complaint with the Indiana Department of Insurance where the company is located. Them stating to you in several correspondences they have no jurisdiction does not constitute a wrongdoing for us to investigate.
As far as your public records response from the Governor’s office, each agency has the ability to respond to public records request. Therefore you should send your request to the Ohio Department of Insurance and they will respond to your request."
Indiana is not "where the company is located." It is located in Toledo, Ohio and is not even my insurance policy or carrier. Failing to identify themselves, failing to cite alleged statutes that they make references to, and violating the Ohio Public Records Act seem to be typical deterrents from Ohio representative governmental entities in lieu of performing their duties. I will be proceeding to the next stage of legal action until I discover the root of these issues. It is apparent that all Ohio representative government entities protect the fraudulent companies in the state of Ohio at all costs.
For details of this subject matter, please contact Christine Piper, Analyst, Complaint Processing Unit Consumer Services Division at Christine.Piper@Insurance.Ohio.gov or phone # (614) 644-4904 with Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act requests for files and electronic communication records for File Number: CSD-0102557.
The link directly below leads to other Midwest related petitions. Any support, promotional or otherwise, is very appreciated. Together, we can hold our representative government entities accountable for their actions.
Below are the contents of a formal complaint submitted to the Ohio Inspector General at watchdog@oig.ohio.gov. This will be an active national petition until this issue is resolved satisfactorily. Documentation and specific information that I was unable to include in this petition but referenced below can be obtained through an Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act request referenced above. Some can be aquired from the office of Ohio governor's message board.
On February 28, 2024, I filed a complaint with the Ohio Department of Insurance Consumer Services Division File Number: CSD-0102557 against an Ohio based insurance group and third party administrator concerning a fraudulent document sent to me from Toledo, Ohio. Strategically, on October 30, 2024, over 8 months after I filed the complaint with the Ohio Department of Insurance, I received the following copied and pasted statements from Christine Piper, Analyst, Complaint Processing Unit Consumer Services Division in an initial "Consumer Closing" letter that I received:
"After reviewing your correspondence, we concluded that this issue falls outside of our jurisdiction. The policy in question is out of Indiana. The Ohio Department of Insurance regulates insurance carriers, agents, and third-party administrators in our state." It was also claimed that the Ohio Department of Insurance was "unable to provide the resolution [I] had hoped in this situation due to statutory regulations."
I sent the following reply to inquire about the specific statutes that were referenced because they were not initially cited. In a "Consumer Correct Closing" letter that I received on November 13, 2024, the Ohio statutes were still not cited and the insurance document that was attached is dated November 05, 2024, which is after the attached initial "Consumer Closing" letter that I received from the Ohio Department of Insurance on October 30, 2024, referencing its content.
My response to the original October 30, 2024, "Consumer Closing" letter:
"Thank you for the response. However, I have been led to believe by the Ohio Department of Insurance through verifiable downloaded electronic correspondence that the initial claimed course of action taken by the Ohio Department of Insurance was that a letter had been sent to the insurance company asking them to explain their actions. I believe this to be a legal action taken by the Ohio Department of Insurance requiring established jurisdiction. Over the course of several subsequent months, through multiple verifiable downloaded electronic correspondences, I was informed that my complaint was being addressed appropriately and that my patience was appreciated by the Ohio Department of Insurance. It is now past time for me to file the complaint with another state agency.
In the message that I received on October 30, 2024, it was stated that
"The Ohio Department of Insurance regulates insurance carriers, agents, and third-party administrators in our state."
In files that I sent to the Ohio Department of Insurance, it could be verified that the document containing the fraudulent claim that was sent to me has a physical address in Toledo, Ohio. The envelope that contained the fraudulent document indicated a physical address in Toledo, Ohio, and the envelope containing the fraudulent document was postmarked by the U.S. Postal Service in Toledo, Ohio.
These "insurance carriers, agents, and third-party administrators" are located in the state of Ohio and are funded in part by Indiana, and are in turn taxed by the state of Ohio based on this income. This is regarding a fraudulent statement contained in a document postmarked by the U.S. Postal Service from Toledo, Ohio. Please cite the specific "statutory regulations" that prohibit jurisdiction by the Ohio Department of Insurance in this matter that would justify the need for further Indiana resources being utilized to regulate Ohio based companies that commit fraud involving multiple states from within, and taxed by, the State of Ohio. Thank you."
Along with this message to Ms. Piper, I included photos of the document and the envelope from the Ohio based insurance group and third-party administrator that had been postmarked by the U.S. Postal Service in Toledo, Ohio, as referenced above.
As stated in my reply to Ms. Piper, this was a fraudulent statement denying my claim on a document sent through the U.S. Postal Service from an Ohio based administration service with a physical address in Toledo, Ohio, in response to a tort claim that I submitted in Indiana. This was not my personal insurance policy. This was a definite statutorily non-compliant denial of my claim sent from Toledo, Ohio, not Indiana. It seems very suspicious to me that it has been claimed that it could not be investigated by the Ohio Department of Insurance, and the specific statutes were not cited to explain this deficiency. It is equally suspicious that it 8+ months to make this determination after certain time limits expired. I also find Ms. Piper's repetitive assertions that I need to consult private legal counsel interesting as she fails to cite the alleged statutes she is referencing. When I take private legal action, it will include the State of Ohio.
The attached "Consumer Correct Closing" document that I received on November 13, 2024, that contained a letter from the insurance company, also addressed in Ohio, is dated for November 05, 2024, which is after the initial "Consumer Closing" document was sent to me referencing its content on October 30, 2024. It also failed to cite the specific statutes for the claimed "statutory regulations." After multiple attempts requesting the statutes to be cited regulating the Ohio Department of Insurance from investigating Insurance fraud in the state of Ohio, I received a "Consumer Correct Closing" message dated November 14, 2024, from Christine Piper Analyst, Complaint Processing Unit, Consumer Services Division. It is very apparent by the letter that was sent to the Ohio Department of Insurance by the company that these companies are very arrogantly instructing the Ohio Department of Insurance. This seems to be the same fraudulent tactic that was utilized in the company's initial denial of my claim, indicating a pattern. Again, I believe the initial inquiry sent to the company by the Ohio Department of Insurance required established jurisdiction by the Ohio Department of Insurance.
It was also stated by Ms. Piper in the "Consumer Correct Closing" letter: "Please be aware that insurance is regulated in the state where the policy contract is written, not where the company is based." These statutes are not cited, and there is no indication of where the contract was written regardless. There is also no reasonable excuse why it took 8+ months to make this determination. However, the fraudulent claim in the denial was definitely addressed and postmarked by the U.S. Postal Service in Toledo, Ohio. I believe that fraud is an actionable crime in any state and not merely a civil action.
On November 04, 2024, I submitted an Ohio Rev. Code § 149.43(B)(2) Ohio Public Records Act request for all electronic communication records regarding Ohio Department of Insurance file number CSD-0102557 from February 28, 2024, through October 30, 2024 for comparison. This request was submitted to the Ohio executive branch office message board. In a seemingly further attempt to impede justice for fraudulant activity in Ohio, the response that I received from Charles M. Holbrook, Assistant Legal Counsel, Office of the Governor, ph. #(614)644-4357 (Charles.Holbrook@governor.ohio.gov) regarding this request on November 15, 2024, claimed that the office of the Ohio governor did not possess records from other Ohio governmental entities. This response instead of forwarding it to the appropriate destination or advisement of what Ohio "governmental entity" I should submit it to. Perhaps through investigation, it will be determined what statutes would explain these very suspicious collusive actions of the Ohio governmental entities, as well as the fraudulent actions of the Ohio based insurance group and third party administrator that the State of Ohio is obviously protecting.
16
The Decision Makers
Petition created on November 17, 2024