Auto Protection Plus

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID...

[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I was never refunded a total of 2,283.32. they agreed to refund on the 29th of september 2016.
Regards,
[redacted]

THIS CUSTOMER IS DEMANDING A REFUND IMMEDIATELY AND DOES NOT WANT TO ADHERE TO THE CANCELLATION POLICY NOR ALLOW A REASONABLE TIME FOR HIS REFUND TO BE ISSUED.CUSTOMER AGREED ON TWO RECORDED LINES TO REVIEW THE POLICY AND COVERAGE. HE THEN CHANGED HIS MIND THE NEXT DAY AFTER THE LIVE POLICY WENT...

OUT. YES, THE ADMINISTRATOR OF THE POLICY REQUIRES AN ODOMETER STATEMENT AND WRITTEN CANCELLATION REQUEST. OTHERWISE, ANYONE CAN CALL AND CANCEL SOMEONE ELSE'S POLICY. WE ARE NOT A SCAM. CUSTOMER SIMPLY DOES NOT WANT TO WAIT AND IS DEMANDING AN IMMEDIATE REFUND WITH NO DOCUMENTATION PROVIDED TO US.

Case ID [redacted] – Customer was informed that it takes 21 to 30 days to receive their refund. Customer cancelled on 6/7/2016 and was refunded on 7/11/2016. 7/9 and 7/10 were weekend days and  customer was refunded on the next business day.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to...

me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. The business has issued a credit to my credit card but it was not within 30 days. This issue has been resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your...

reference, details of the offer I reviewed appear below.
Regards,
[redacted]

Case#[redacted] – Customer did not provide all cancel documentation originally. The information was not received until last month. Customer is  now on the list to be issued a refund within 30 days.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I never requested a refund by check and my account was credited on Sept. 8 not on Aug. 31.  I received my refund after I filed a complaint with the Revdex.com.  Thank you Revdex.com for preventing crooks from stealing honest people's money.]
Regards,
[redacted]

Received a call from auto protection plus on 12/1/16 claiming to be my vehicles extended warranty and said they were the same protection I had which was expiring soon(This was a lie as I had renewed my contract and they were not in touch with my dealership at all). Rose Johnston who called me claimed to have sent multiple letters to my address asking why I had not responded and was calling to see if I would like to sign up before the deal was over. She pressured me by saying its much better than any coverage that anyone else can offer and the lowest price with a low deductible when obtaining repairs. I gave into the pressure and she assured me that I could look at the contract and if I did not like it could easily cancel it within 30 days of purchase. The purchase was made on 12/2/16 and was promised to receive the contract in 7-10 business days which was not the case. I called the company on 12/16/16 but was never able to speak to my agent Rose Johnston again as she was, at this point unsurprisingly, either too busy or always away from her desk! David Gray from customer care finally tried to help and said the reason I never received the contract was because the payment was never made!! This was false as my credit card was already charged. He looked into the matter and later send an email(after I send a copy of my statement) that it was an error from their accounts department. I finally received the contract on 1/3/17 and upon review realized it was not at all similar to my previous contract and decided to cancel it. On the very same day I tried calling again multiple times only to be told by David that my agent was not available. On 1/4/17 frustrated I called back David decided to go ahead and let me know about the procedure to cancel. Why did he not tell me this a day ahead when I called about more than 3 times?? He initially told me the 30 days was up but I reminded him that was due to an error on their end so 30 days is not up until the mistake was clarified on 12/16/16. I felt like they were stalling for time and kept changing information so the 30 days would be up and will not have to return the full amount. I researched this company online and my fears were true on Revdex.com where there were reviews from many unsatisfied customers on how they lie and scam people to take up their warranty and insurance but do not refund money within 30 days as promised (apparently took people months to get their money back and they required a written cancellation instead of an email along with other things that are a pain to get like a notarized odometer reading??!!) Their return policy in the contract does not mention notarized odometer reading (lots of discrepancies in their contract). I did not want to deal with the company anymore as they would not give me a straight answer upfront, I requested my bank to give a chargeback after I explained the story. The company also failed to mention that their financial company was Omnisure (which is a well known fraud company) which the second payment showed up under which was the first red flag(the first payment showed up under Autoplus). I want them to stop scamming other people in the future in an attempt to make more money. CUSTOMERS BEWARE!!!

Review: I have received several callS from this company, and I never responded because I wanted to check to see if the company was legit. I was forwarded to [redacted] who stated since my warranty had expired as I told them I had 54,000 miles on my vehicle, this would be the "last" opportunity I had to renew my warranty. I was told that this company, Auto Protection Plus was a regulated company with Mercedes Benz, and if I did not get the warranty today, then I would be looking at paying astronomical amounts for minor repairs. This was my "last opportunity". Initially I was asked to pay $4865. Due to the fact that I was hesitant, I opted for the $295 payment up front and monthly installments. I called my Mercedes dealer and they told me my warranty did not expire until 2016 and that I had been duped by this company. I called immediately and asked to have the funds reversed. I have to wait 3-5 days as the bank said, I would have to cancel my credit card in order to stop payment. I never thought I would fall for something like this! I called back and [redacted] was unavailable) told me there was an error in the computer, and it was not their fault that Mercedes had given them erroneous information, I told her when you are asking people to pay thousands of dollars, then it is up to them to have the correct information!PLEASE DO YOUR HOMEWORK BEFORE GIVING OUT VALUABLE INFORMATION TO UNKNOWN PEOPLE WHO DON'T HAVE YOUR BEST INTEREST IN MIND! I hate to think about all the other people who have been taken advantage of! As the previous plaintive stated, this is a SCAM.Desired Settlement: I hope this is not the "last opportunity" to get a refund. I really wanted to file a complaint, however, if in 3-5 business days my money is not in my account, I will be back for a refund, or contacting an attorney.

Consumer

Response:

I have resolved my complaint with this company. I am still VERY disappointed in the tactics they used to get my money. I would like to do whatever I can to alert others of their practices. Thanks for your help, I have always been able to depend on the Revdex.com. Thanks again,[redacted]

Review: I have yet to receive a refund for a policy that I had a confirmed cancellation of 37 business days ago. I have made repeated inquiries to the Customer Service department and the "best" resolution that they have been able to provide is an "urgent" request to the refunds department.

I am generally abhorrent of the practices used to manipulate me as a consumer throughout this process. In the initial sales call once I was on the phone with a representative I was informed that if I rejected the sales offer given to me I would be placed on a list that would prevent me from receiving future well priced offers. I was also told that if I wanted to cancel within 30 business days of the purchase I could easily do so. I decided to cancel my policy within two days of purchase. It took two calls into support in order to establish that I could only cancel by sending a letter to the refunds department. The reason that was given was that they wanted to ensure that I did not have any claims out there before they gave me my refund. I was also told on the phone that I could not make any claims before the first 30 days of my policy so I was confused as to how I could have made any claims in the first place. I also had to pay for the postage of mailing my cancellation letter which voids the promise from their team that the cancellation would be at no cost.

I received a confirmation call on April 13, 2015. I have made two calls since the 30 business days. In the initial call the customer service agent was apologetic and sent my "urgent" request onto the refunds department to hopefully be processed. I made another call today to make a request for a late fee for my late funds and requested to speak to a supervisor at which point the customer service agent became very frustrated with me and informed me that they "do not promise 30 days" and that they can't be held to that. I was promised a full and easy refund within 30 days of purchase which has not happened in any way.Desired Settlement: I would like to have direct contact with the refunds department to receive my full refund of all funds paid to Auto Protection Plus on March 30, 2015 and to receive a late fee for the tardiness of my return. This amount of almost $3,000 that I have paid is money that is not available to me to invest or use as I would have been able to do had Auto Protection Plus performed my refund in a timely fashion.

Business

Response:

Case#[redacted]This customer was issued a refund prior to them filing the complaint. The refund was issued in the full purchase amount of $2782.00.

Review: I purchased an auto protection warranty on Mar 24th and was told by the salesman that I had 30 days to cancel with a full refund. When I tried to cancel the policy with 30 days, I was asked to send a cancellation letter. They informed me that it would take 30 business days for a refund.

I called them up multiple time after 30 business days and they never tell em when do I get my refund and always tell me that it is for supervisor review.Desired Settlement: I want a full refund of $1845

Business

Response:

Case#[redacted]This customer was complaining because they wanted a full refund of the amount that they paid for the contract. Due to the fact that we are a third party seller and not the actual owner of the contract, we have to adhere to the policies set by the administrators of the contracts. It is not up to us how much to refund the customer. Each customer receives a complete contract with full details of all policy rules and regulations as set by the company which issues each policy. The customer was refunded the amount of $1795.00 with is less the $50.00 cancellation feel that is written in the contract that was received by the customer.

Review: I've been waiting 3 months for my refund from this company. I started the policy thinking that I'd be able to protect my car from future mechanical problems. They advertised that I would have a 30 day grace period to decide if I would like to continue the policy or cancel it before they begin billing me monthly. After talking it over with my husband, we decided to cancel. But even though we cancelled, they charged me one month's bill of $195. So I called to resolve the issue and they said they would give me a refund within 30 days. Three months later, no refund has been given. Every time I call to resolve the issue, they give me nothing but excuses.Desired Settlement: I would like to receive my refund of no less than $195. It's not complicated. I just want my money back.

Review: Auto Protection Plus called my phone stating that they were in touch with my car dealership, [redacted], and wanted to inform me that the warranty for my car was expiring. Because my warranty was expiring, they wanted to sell me a policy with an effective date prior to the date of expiration of my warranty without actually disclosing that they were selling me a policy prior to my warranty expiring. My purchasing the policy is conditional upon the expiration of the warranty. It turns out my warranty won't expire for 20 months, which they did not inform me of but claimed they had knowledge of. They tried to convince me I already had the policy they were trying to sell me since my purchase. I called back, they said they were aware the warranty lasts three years starting from my 2014 purchase but that now would be a good time to buy the insurance. But, I wouldn't have purchased the insurance if they didn't make it sound like my warranty was "expiring." Technically my warranty is expiring day one after my purchase, which is how they are able to use this very misleading wording. I would have never bought this policy if they didn't falsify information about my warranty.Desired Settlement: They simply need to not mislead me to believe my warranty is "expiring," when it will still be in force for 20 months. They should also expedite returning my funds to my account.

Business

Response:

Case #[redacted]This customer put a down payment on her policy in the amount of $195.00 on March 30th. She called back the same day to cancel due to buyer’s remorse. We processed her refund for the full amount of $195.00 on the next day March 31st. There should be no issue with this customer. This is not a valid complaint. She filed the complaint after the refund was already issued and we called her to let her know the refund was processed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted].

They falsified having knowledge of my warranty and falsified working in conjunction with my car dealer. Yes, they refunded. But that still doesn't mean they didn't lie about what they actually knew of my warranty and their association with my dealer. It was under these false pretenses that lead to them acquiring my business in the first place. In other words, false information they claimed to have on my warranty was used to get me to buy the policy. Their sales tactic is to lie to consumers about the necessity of the product by claing they have knowledge that would be more likely to prompt a sale. Furthermore, they had mentioned an association with my car dealer, claiming it was my dealer that gave them my information. This lie was intended to bolster their legitimacy, when the dealer said they gave no such relationship with their firm.

Review: I purchased auto protection last September and relized I already had an extended coverage. I then contacted aoto protection plus to cancel the policy and was told to submit in writing. I did so and have been in contact with them more than 20 time, starting in October 2015. The customer service representatives have been telling over and over your refund of $295.00 should be credited back within 15 days. Then I stated it has been over a month. The now tell me that they are having issues putting the money back into my account and they ar3 working with the finance department to resolve this issue. I requested if the are not able to refund electronically to mail me a check. I called again today and the agent stated his supervisor is working directly with the finance department. I have requested several times for the supervisor to call me. I would like the $295.00 refunded and not sure how to make this happen when I get the same results every time I call. I have not received acall back from this company to resolve issue.Desired Settlement: Refund in the amount of $295.00

Review: I purchased an extended warranty on my car as I could not call the company back to purchase it. I received the booklet with the information and read through it, I decided that it was not right for me and called back as they had said I had 30 days to get my $595 back. The man on the phone [redacted] was less than helpful he said I had to read on how to return it from the packet because he didn't no since I was located in Illinois. I let him know that was obsurd and that he should know what I need to do he then said I had to return the booklet and card I said no problem. I went to the post office and had it shipped overnight and never recieved a call I called the next day and he said whenever [redacted] checks the mail she will call you. She never called I am still waiting on this phone call. [redacted] said he cant tranfer me or provide me with her contact information. DO NOT BUY ANYTHING FROM THEM THIS IS A SCAM!!!!Desired Settlement: All I want is the $595. That was put down initially for the plan.

Business

Response:

Case# [redacted]The customer called in to cancel the policy instead of sending in the cancellation request in writing as stated in the policy booklet that she received. Her failure to provide the proper documentation caused a delay in the cancellation of her policy and also delayed the processing of her refund. Once we received her written request and information, her refund was issued in the amount of $595.00

Review: My husband received a call from Auto Protection Plus in the beginning of August pressuring him into making a deal for a car protection plan. I did not hear about this deal until I got home from work in which he told me about it and I said it sounded very sketchy from the get go. He said that the representative on the phone said we could have a refund within 30 days if we were unhappy with the plan. We waited almost 2 weeks before receiving our policy which was necessary for the cancellation. When we received it I called a representative to make sure what we needed to do. We were told to write a formal letter and do not sign the policy and send it back to them. It was also at this time I found out the whole policy was in my name which they did not inform my husband about. I'm not sure how a business can do that? We then got shipping and confirmation and sent the policy and letter back which they received on August, 20th 2015. We called for confirmation that they received which they said they did and said it would be 4-6 weeks before we received our refund. We waited 4-6 weeks without hearing from then before we called multiple times saying they would have a manager call us back, but never did. I got send to voicemail many times. Finally, at the beginning of October I got through to someone who now said it would be 7-9 weeks and once again he'd have a manager call us to speed things up. They also told us we could contact our bank and dispute the charges to make the process faster. We have done this, but are exhausting all of our resources. It has been approximately 55 business days since they took our money. I see that as plenty of time to get our refund back. All we want is our $195.00 back and to cease all contact with this company.Desired Settlement: All we want is our $195.00 back.

Business

Response:

customer has been refunded and advised of refund for down payment.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: I was charged $295 on July 2nd, 2015 by Auto Protection Plus for extended car warranty. The representative said I could only purchase the insurance that moment and did not have time to research the company, but I was informed I can get a full refund within 30 days if I choose to cancel. I followed the appropriate steps to cancel the policy and received an email on July 31, 2015 stating my policy has been canceled. I waited my 30 business days (not including weekends and holidays) and I have not received my refund. I spoke with them earlier last week around September 14th and the representative said my refund was in processing and it should be in my account by the end of the week. It was not refunded. I spoke with them yesterday, Sept 21, 2015 at 12:15pm and was informed the supervisor in charge of my acct, [redacted], was at lunch and will be back in 45 mins and will return my call. I called more than 20 times from 1:41pm-2:48pm and could not reach anyone. It forwarded me to a message stating I called outside of business hours (even though they close at 4pm). I left them two messages yesterday afternoon to have [redacted] call me back (with my contact information). This morning I called at 7:47am and was informed [redacted] was assisting other customers and will all me back. I waited two hours no one called me back. I called back at 9:40pm and the representative stated "my hands are tied and mr. [redacted] will call you on a first come first serve basis." I informed him I was waiting since 12:15pm yesterday. The only answer I am able to get is "your refund is taking longer than anticipated.Desired Settlement: Refund of my $295.00 to my debit card that was charged on July 2nd, 2015

Business

Response:

This customer was not only refunded but she also did a chargeback and received funds that way as well. She has received funds beyond the amount that she put down for her initial downpayment. Her cancellation letter was received via [redacted] AFTER 30 days. She did not send in a notorized odometer statement nor service records. We had to ensure that she did not file any claims nor have any pending claims with the Administrator of her policy. We refunded her on 9/23/2015 in the prorated amount of $186.25 and then she did a chargeback with her credit card company in the amount of $295.00. This is not a valid complaint as this customer now owes us money.

Review: I purchased an auto warranty on March 9th and was told by the salesman that I had 30 days to cancel with a full refund. I specifically asked what I had to do to cancel and he said just call. So on MArch 16th, I called and spoke with [redacted] who is a manager and she told me she would take care of it and I would receive a refund in the next billing cycle. So when the next billing cycle came, there was no refund and I had been charged the first months payment. So I called and spoke to [redacted] who said he saw the note to cancel in my file but that they wouldn't cancel without a letter from me, this was the first I heard about a letter. I then spoke with the manager again, [redacted] and reminded her that she never mentioned a letter when I cancelled with her. She says I am wrong but that she will review the fact recording. I asked for a copy of the recording, she refused to let me have a copy or hear it. I have put this into disputes with my credit card company and complained to their financing company [redacted]. Auto protection plus purposely lied to me about the letter so they could keep my money,knowing by the time the first billing cycle came it would be outside the 30 days.. It's a scam! Stay away!Desired Settlement: I want a full refund of $428.28.

Business

Response:

Case #[redacted]This customer purchased a policy and then did a chargeback. When she called to cancel she stated her intentions to call her credit card company. We do not issue refunds to customers who tell us they are going to do a chargeback through their credit card company.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Auto protection plus is making false statements now. I never ever said I was going to do a chargeback. I only did that after they gave me a hard time about my refund and ignored my Revdex.com complaint because I felt I had no other recourse. I never told them I was doi ng a chargeback.

Regards,

Review: I purchased an extended warranty for my vehicle from the seller Auto Protection Plus on March 11, 2015. At the time of purchase, I was required to pay a $195.00 deposit and have made seven payments towards the policy. I officially cancelled the plan with Auto Protection Plus on 10/27/2015. Under the contract, I was entitled to a prorated refund, minus a cancellation fee. I cancelled the plan by completing the steps required of me by Auto Protection Plus. All documents were mailed certified on 10/21/15. On 10/21/15, I spoke to [redacted], in order to confirm that I did not need to submit any additional materials. I was notified by USPS on 10/26/15 that my letter was accepted by Auto Protection Plus. On 11/16/15 I contacted the seller to inquire about my refund and again spoke to [redacted] stated that my documents had been accepted and my refund was being processed. He advised me to contact my bank if I wished to receive my money quicker. On 11/17/15 I again called and spoke to [redacted], who told me the same thing as before “Your payment is still being processed. It’s unusual that this hasn’t been processed because it typically only takes two weeks.”[redacted] again advised me to contact my bank. On 11/17/15, I again contacted this company and spoke to [redacted]. On this occasion I requested that he email me a document stating when I would receive my refund. He stated that he wouldn’t be able to produce such a document because Auto Protection Plus tries to process refunds as quickly as possible and he couldn’t give me an exact time frame. On 11/20/2015, I visited my bank, in order to begin the dispute process with Auto Protection Plus. On 12.7.15, I received an email from [redacted] detailing the amount of my refund. Today is 12.11.15. After making several attempts to acquire a refund I have not been given a time frame of when the refund will be processed or who I may speak with to inquire about the delay.Desired Settlement: All I would like is a refund in the amount $864.82, as they have promised me.

Review: I put a down payment on extended warranty services through this company, for $495 and requested that the policy information be sent to my address. They read my address back to me correctly, but the email they sent was incorrect. I responded to it with the correct address, and the email was never replied to. I called their center and spoke to a [redacted] who immediately took a hostile tone with me when I said the address information needed to be changed. I used the NATO phonetic alphabet to ensure accuracy, and asked for an email confirming the changes to my address. I never received an email.

I have thus done a lot of research on the company and found plenty of shady business practices. I have attempted to cancel my policy with them which they say I need to return the contract to do so. I cannot do so because they do not have the correct address and refuse to correct the issue. Since this was just a few days ago, I have put a stop payment on the down payment, but I have not seen a refund yet. When I tried to cancel the policy I was met with more hostility and belittlement about wanting to cancel with them. I asked many times to speak to a supervisor, which was met with more hostility, and then asked to speak with a [redacted] as he presented himself as a manager when I initially agreed to the terms over the phone. I was told, "he's not in today, I can have him call you tomorrow." I asked to be sent to his voicemail but even that was met with hostility, "sir, he doesn't have a voicemail, you have to tell me your issue so I can write it down for him."

I am in disbelief at the level of rudeness and poor business practices in the short amount of time trying to work with these people. They have mastered the art of conning good people out of money.Desired Settlement: I would like to see my down payment of $495 returned to me and that be the end of it. I am at a loss as to how to cancel my policy if they will not send me the required documents, but I would like the policy terminated immediately also.

Business

Response:

Case#[redacted]This customer purchased a policy from us and then did a chargeback on their credit card.