Fox Concrete

Attached please find CARS'
response.March 24, 2016VIA: SUBMITTED TO Revdex.com WEBSITERE: COMPLAINT ID #***DODGE VIN (Last 8): *** OUR FILE NO.: C-***Dear Ms***am in receipt of your letter dated March 24, advising CARS of the above-referenced consumer additional concernsI would like to respond in the following manner:The customer states in his March 23, reply to the Revdex.com regarding our March 22, response letter that he would like to know what happens next during the processing of his claim.By the customer’s signature, he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinThe Service Contract states under Terms and Conditions 3(c): "SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear- down to the point of component failure, performed by the repair facility, to determine the cause of failure and the extent of damageYou are responsible for all charges relating to the tear-down and diagnosis of the vehicle." We include teardown to the point of component failure in our diagnostics in order for CARS to determine if the failed component is coveredThis increases the probability that the vehicle will be repaired properly the first timeWe are not requiring unnecessary tear-down and diagnosis; we are only trying to determine the cause of failureAs stated in our previous letter, CARS advised the repair facility on February 29, and March 4, that in order for CARS to move forward with the processing of the customer’s claim, the repair facility must let CARS know the cause of failure and the extent of damage to the customer's vehicleAs of today, March 24, 2016, the repair facility has not provided that information to CARS.It states at Paragraph 1(c): “COMPONENTS AND EXPENSES NOT COVERED: Any repair done without prior authorization from CARS." The service contract further states at 3(e) and 3(g): "SERVICE CONTRACT CLAIM PROCEDURE: The repair facility must provide CARS with an estimate and obtain an authorization number BEFORE any repairs have begun, and "....No invoice will be processed without a valid authorization number, your signature, repair facility’s warranty on repairs (if applicable) and repair facility’s identifying information." The claim procedures outlined on the customer’s Service Contract are the same claim procedures that all CARS' customers must follow in order for the claim to be properly opened, authorized and paid, if it is determined that the repairs are covered under the customers’ service contract.Additionally, at Paragraph 1(c): "COMPONENTS AND EXPENSES NOT COVERED: Any repair done without prior authorization from C.A.R.S." All CARS customers must follow and adhere to the claim procedures above listed for their claims to be processedCARS will provide an authorization number to the repair facility for repair of the customer's vehicle when it is determined that the failure of the customer’s vehicle is covered under the customer's Service Contract.CARS would like to point out here that the claim procedures have been reviewed with the repair facility chosen by the customer to repair his vehicle on February 24, 2016, February 29, and March 4, 2016.Additionally, on March 22, at 4:p.m., and March 23, at 9:a.m., CARS left voice messages for the repair facility to find out the status of the customer's engine claim.As stated in our March 22, letter, CARS relies on the information that is received from the customer and the repair facility to determine if a repair is covered pursuant to the Terms and Conditions of the Service ContractHere, it is necessary for the repair facility to provide CARS with a proper diagnosis and extent of damage to the customer's vehicle as stated in the above paragraphsCARS cannot move forward with the engine claim made on behalf of the customer’s vehicle until the repair facility provides CARS with the cause of failure to the engine and the extent of damages to the customer’s vehicle.If you have any further question, please contract my office.Sincerely,JPM/jmmAttachment

Ms***: Attached please find CARS' response. Thank you

February 1, VIA: Revdex.com WEBSITE RE: COMPLAINT ID #*** JEEP GR CHEROKEE VIN (Last 8): *** OUR FILE NO.: C-*** Dear Ms***: am in receipt of your letter dated January 20, enclosing the above-referenced consumer complaint and respond as follows: The customer’s service contract application was accepted by CARS on July 24, On December 8, at 1:p.m., the customer advised CARS that she would like to a full refund of her Service ContractCARS advised the customer that pursuant to the Terms and Conditions, she was not entitled to a refund of her Service ContractCARS reviewed the cancellation provisions with the customerCARS provided the customer with a cancellation request form via emailIn CARS' response to the customer’s December 9, Revdex.com consumer complaint, CARS advised the customer as follows: The customer’s service contract states under Terms and Conditions at Paragraph (a) and (b): 'CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested.” and "After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated." Here, the customer cancelled her Service Contract on December 28, which is greater than twenty (20) days from the date of Service Contract approval date of July 24, Additionally, CARS is regulated on refund policies by each state that CARS conducts business in and we strictly adhere in those states where their statutes supersede our cancellation provisionsCARS is not directed by any state statute in Michigan to refund any monies to the customer for the cancellation of a service contractTherefore, pursuant to her Service Contract the customer is not entitled to a refundAs evidenced in the above paragraphs, CARS advised the customer that there would be no refund for the cancellation of her Service ContractNonetheless, CARS received a fully executed cancellation request from the customer for her Service Contract on December 28, The customer's Service Contract is now cancelledThe customer's vehicle is not covered under any of CARS' service contracts and no claims will be opened on behalf of her vehicleIf you have any further questions regarding this matter, please do not hesitate to contact my officeSincerely,Jason ** ***General Counsel

PROTECTION PLUSOctober 7, 2016VIA: Revdex.com WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***MITSUBISHI OUTLANDER VIN (Last 8)* *** OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated September 30,
2016, enclosing the above-referenced consumer complaint and respond as follows: On August 24, 2016, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Power Train Service Contract (Months/4,Miles] and the same was accepted with payment by CARS on August 29, (the attached "Service Contract"]The customer's Service Contract will expire on November 29,2016.After reviewing the customer's consumer complaint, in an effort to amicably resolve this matter, CARS will issue the customer a check for $which is the amount she paid for her Service Contract.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,JPM/jmm

November 28, 2016VIA: EMAIL/WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***AUDI AVIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated November 17, 2016, enclosing the above-
referenced consumer complaint and respond as follows: According to our records, the customer purchased the above-referenced vehicle on October 2, On that same date the customer also applied for a CARS Value Plus Contract (Months/Unlimited Miles) and the same was received with payment and approved by CARS on October 2, (See attached Service Contract).On September 13, at 10:a.m., a repair facility advised CARS that the customer's vehicle was experiencing transmission issuesWe then went over our claim procedures with the repair facility.On September 13, at 11:a.m., CARS again reviewed our claim procedures with the repair facilityThe repair facility then advised CARS that the customer left his vehicle at the repair facility on September 10, because the vehicle was not shifting and the check engine light was displayedThe repair facility advised that the diagnostic trouble code pfor the input speed sensor was displayed.CARS advised the repair facility to obtain the customer's authorization to tear-down his vehicle to the point of failure to verify the cause of failure and extent of damage to his vehicleCARS further advised that the customer was responsible for all tear- down/diagnostic charges pursuant to the Terms and Conditions of his Service ContractThe repair facility advised CARS that they would telephone the customer regarding further diagnostic/tear-down.On October 17, at 10:a.m., CARS left a message for the repair facility to telephone CARS.On October 31, at 11:a.m., the repair facility advised CARS in a recorded telephone call that the failure of the valve body was caused by the conductor plate which is part of the Transmission Control Module (TCM)The repair facility further advised that the TCM can be purchased separately from the valve bodyThe repair facility also advised that they pulled and the pan and did not find any mechanical failures that caused the failures to the valve body.On November 3, at 10:a.m., CARS advised the repair facility that pursuant to the customer's Service Contract, we would not able to assist with the repair of the customer's vehicle because the conductor plate which is part of the TCM, a non-covered component, failed causing damage to the valve body.On November 7, at 11:a.m., the customer advised CARS that the repair facility advised him that CARS gave authorization for the repair of his vehicle and then advised the repair facility that the repair was not coveredCARS advised the customer that we never authorized the claim made on behalf of his vehicleWe advised that on October 31, 2016, we told the repair facility that the conductor plate which is part of the TCM, a non-covered component, failed causing damage to the valve bodyPursuant to the customer's Service Contract, we would not able to assist with the repairCARS then referred the customer to the repair facility.On November 7, at 11:a.m., CARS again reviewed the transmission claim with the customerThe customer advised that the failed component should be covered under his Service Contract since it was not excluded on the Service ContractCARS again reviewed his coverage with the customerThe customer asked to be transferred to a claims manager.On November 7, at 1:p.m., a claims manager returned the customer's telephone callThe customer questioned why the TCM was not covered since it is a lubricated partThe claims manager advised the customer that he TCM is not an internally lubricated part and is bolted to the bottom of the transmission and not located in the transmission case itselfThe customer advised that the repair facility told him it was an internally lubricated partThe customer then advised that he did not feel well and could not deal with this at the timeThe claims manager advised the customer to telephone him when the customer was up to it and provided his contact information.On November 7, at 1:p.m., the customer telephoned the claims manager and advised that his mechanic told him the TCM was an internally lubricated part and he wanted an inspector to look at his vehicleCARS advised that the repair facility stated on a recorded line that the failure was due to the conductor plate, which is part of the TCM and a non-covered component under the customer's Service ContractOur claims manager advised the customer that there was no reason to send out an independent inspector since CARS was familiar with where the TCM was located on vehicleThe customer advised that he was going to contact his attorney and ended the telephone call.On November 10, at 2:p.m., the customer telephoned a claims manager to check on the status of his claimThe claims manager advised that as per the telephone conversation they had on November 7, 2016, CARS was unable to assist with the repair of his vehicleThe customer advised that he would turn the claim over his attorney and the Revdex.com.By the customer's signature on his Value Plus Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service ContractIt is stated in the customer's Service Contract under: "COVERED COMPONENTS (Transmission): Lubricated parts contained within the transmission or transfer case housing; torques converter; bands; pump; pump housing; carrier assembly; planetary gears; chain; drum;..." Here, the repair facility that the chose to repair his vehicle advised CARS that conductor plate, which is part of the TCM, had failedThe repair facility further advised that the TCM can be purchased separately from the valve bodyThe TCM is external and is not an internally lubricated part of the valve body assembly; therefore, this repair is not covered under the customer's Value Plus Service Contract or any other service contract offered by CARS.In addition, it is stated in the customer's Service Contract: "Covered Components: “Coverage limited to above components." And under Term and Conditions at Paragraph 1(a): "Components and Expenses Not Covered: Components not listed regardless of failure." The conductor plate, which is part of the TCM, is not listed for coverage on the customer's Service ContractThe TCM can be purchased separately from the valve bodyPlease see the attached descriptions of the TCM and valve body showing that they can be purchased separately.For the reasons stated above, CARS stands by its decision and is unable to offer any assistance with the September 13, claim made on behalf of the customer's vehicle pursuant to the Terms and Conditions of his Service ContractThe customer has Service Contract coverage through October 6, If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer's Service ContractIf the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer's Service Contract.I hope this letter serves to explain the reasoning CARS used to properly deny the customer's claimWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact my office.|ason ** *** General CounselJPM/jmmAttachments

April 10, 2018VIA: Revdex.com WEBSITE Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220 RE: DODGE
RAM VIN (Last 8): *** OUR FILE NO.: *** Revdex.com COMPLAINT NO.: *** Dear Ms***: CARS is in receipt of your letter dated April 8, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle. CARS would like to respond as follows: According to CARS’ records, the customer purchased the above-referenced vehicle on June 24, On that same date, the customer also applied for a CARS Power Train Service Contract (Months/15,Miles) and the same was received with payment and approved on June 29, 2017. (See attached “Service Contract”). On March 29, at 1:p.m., the customer advised CARS that the oil pan on her vehicle needed to be replaced. CARS advised the customer that the oil pan was listed for Service Contract coverage. On April 3, at 4:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing transmission issuesCARS then went over CARS claim procedures the repair facility. On April 3, at 4:p.m., the repair facility advised CARS that the oil pan was leaking through the rust spots. CARS advised the repair facility that pursuant to the customer’s Service Contract, the customer was responsible for replacement of the oil pan since the damage to the oil pan was a result of rust/corrosion. CARS further advised that it is the customer’s responsibility to repair the oil pan so that no further rust/corrosion damage occurs. By the customer’s signature on her Service Contract application, the customer acknowledged that she read, understood and agreed to its Terms and Conditions. The customer’s Service Contract states at Paragraph (m): “Components and Expenses Not Covered: Damage from conditions of the environment, including rust and corrosion.” Here, the repair facility advised CARS that the oil pan was leaking due to rust/corrosion. The repair facility advised that the oil pan was leaking through the rust spots; therefore, CARS was unable to assist with the repair of the customer’s vehicle. The customer’s Service Contract states at Paragraph (b): “CANCELLATION PROVISIONS: After days, there is no refund for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated…” Pursuant to the Terms and Conditions of the customer’s Service Contract, she is not eligible for a refund of her Service Contract. The customer’s vehicle has Service Contract coverage through June 29, Should the customer’s vehicle incur future mechanical problems, CARS will process the claim to determine if the failed component is covered under her Service Contract. If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer’s Service Contract. When a claim is presented, CARS fully investigates the circumstances surrounding the claim. CARS honors every contract sold and stands behind CARS’ products 100%. If you have any further questions regarding this matter, please do not hesitate to contact my office. Sincerely,Jason ** M***General Counsel JPM/jmmAttachments

RE: COMPLAINT ID #*** CHRYSLER ASPEN VIN (Last 8): *** OUR FILE NO.* *** Dear Ms*** I am in receipt of your letter dated June 3, 2016, enclosing the above-referenced consumer complaintI would like to respond in the following manner: On July
13, 2015, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on August 4, (the attached "Service Contract")On May 18, at 1:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing engine issuesCARS then went over our claim procedures with the repair facilityOn May 20, at 3:p.m., the repair facility advised CARS that the customer's vehicle was towed to the repair facilityThe repair facility advised that the customer’s vehicle was running rough and coolant was found in the oilThe repair facility found the transmission, engine, lower radiator hose, transfer case, rack, pinion and power steering to be leakingThe repair facility also found silicone debris from a previous improper repair in the radiatorCARS then reviewed our claim procedures with the repair facilityCARS further advised the repair facility to obtain the customer's authorization to tear-down her vehicle to the point of failure to verily the cause of failure and extent of damage to her vehicleCARS further advised that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Conditions of her Service ContractOn May 20, at 3:p.m., an owner of the vehicle telephoned CARS to question why her vehicle needed to be torn down if the repair facility advised that an engine was needed for the repair of her vehicleCARS advised that we required tear-down to the point of component failure to verify the cause of failure and extent of damage to her vehicleThe customer then ended the telephone callOn May 20, at 3:p.m., the co-owner of the vehicle telephoned CARS to advise that she had a bumper to bumper Service Contract and did not have to pay any monies towards the repair of her vehicle except the deductibleCARS advised that her Service Contract was not bumper to bumper and we assist with the repair of our contract holder's vehiclesThe customer than advised that she wanted CARS to pay for any diagnostic costs she had incurred because she wants to drive her vehicle out of the repair facility.On May 31, at 2:p.m., an owner of the vehicle called to inquiry why the vehicle needed to be torn down and if CARS paid to reassemble the vehicleCARS advised that we required tear-down to the point of component failure to verify the cause of failure and extent of damage to her vehicleCARS advised that we do not pay for any costs related to diagnostics including teardown and reassembly of her vehicleOn June 1, at 1:p.m., the co-owner of the vehicle advised CARS that the repair facility does not want to tear down her vehicle and is charging her $to put her vehicle back together and for the checking fluidsCARS advised the customer that we would telephone the repair facilityOn June 3, 2016, CARS left two (2] voice messages for the repair facility to return our telephone callOn June 3, at 11:a.m., the repair facility advised CARS that the customer gave her permission to the repair facility to do diagnostics on her vehicle when the vehicle was brought to the repair facilityOn June 3, at 12:p.m., the co-owner of the vehicle advised CARS that she did not give her permission for her vehicle to be checked and she is not responsible for any costsCARS advised the co-owner that the repair facility stated that she gave her permission for diagnostics to be performed on her vehicleBy the customer’s signature on her Service Contract, she acknowledged that she read, understood and agreed to the Terms and Conditions contained thereinThe Service Contract states under Terms and Conditions 3(c]: "SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear-down to the point of component failure, performed by the repair facility, to determine the cause of failure and the extent of damageYou are responsible for all charges relating to the tear-down and diagnosis of the vehicle." We include teardown to the point of component failure in our diagnostics in order for CARS to determine if the failed component is coveredThis increases the probability that the vehicle will be repaired properly the first timeWe are not requiring unnecessary tear-down and diagnosis; we are only trying to determine the cause of failureUnder the customer’s Service Contract, we are not required to cover the full cost of the repairThe Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it is not comprehensive (bumper to bumper] coverageVarious provisions of the Service Contract inform the customer what components are specifically covered and the customer's financial responsibility for the tear down, diagnosis charges, filters, and taxesCARS relies on the information that is received from the customer and the repair facility to determine if a repair is covered pursuant to the Terms and Conditions of the Service ContractHere, it is necessary for the repair facility to provide CARS with a proper diagnosis and extent of damage as stated in the above paragraphsCARS cannot move forward with the engine claim made on behalf of the customer's vehicle until the repair facility provides us with the cause of failure to the engine extent of damages to the customer's vehicleAs stated in the above paragraphs, the customer is responsible for all charges related to teardown/diagnostics; therefore, CARS is not able to assist with the cost of reassembly of her engineAny teardown/diagnostic costs are between the customer and the repair facilityWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further question, please contract my office.Sincerely,Jason P***General Counsel

November 11, 2016VIA: SUBMITTED TO Revdex.com WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: Complaint NoBMW VIN (Last 8): *** OUR FILE NO.* ***Dear Ms***I am in receipt of your letter dated November 8, 2016, enclosing the
above-referenced consumer complaintI would like to respond in the following manner: On June, 2015, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Ultimate Value Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on July 23, (see attached Service Contract).Three (3) claims have been opened on behalf of the customer's vehicle since the inception of the Service Contract.First Claim: On January 7, 2016, at 11:p.m., a repair facility advised CARS that the customer's vehicle was experiencing timing cover gasket, vacuum pump, oil press switch oil leak issuesThe repair facility further advised that there were also issues with the catalytic converterCARS then reviewed our claim procedures with the repair facility.On January 7, 2016, at 2:p.m., CARS advised that oil leaks and catalytic converters were not covered under the customer's Service Contract and the customer was responsible for all repairs to the vehicleThe claim was then closed.Second Claim: On August 31, at 2:p.m., a repair facility advised CARS that the customer's vehicle was experiencing trunk ram motor and catalytic converter issuesCARS then reviewed our claim procedures with the repair facility.On August 31, at 4:p.m., in a voice message, CARS advised that the truck ram motor and catalytic converter were non-covered components under the customer's Service Contract; therefore, CARS could not offer any assistance with the claim.On August 31, at 2:p.m., the repair facility telephoned CARS to advise that the check engine light was displayed with codes for the catalytic converters and the trunk needed a hydro unitThe repair facility advised that the trunk lock actuator had not failedCARS then advised that the truck ram motor and catalytic converter were non-covered components under the customer's Service Contract; therefore, CARS could not offer any assistance with the claimThe claim was then closed.Prior to the third claim referenced below, on September 19, 11:a.m., the customer's daughter, who is not the Service Contract holder, advised CARS that she wanted to cancel the customer's Service ContractCARS then reviewed Texas provisions for cancellation with herCARS advised the customer's daughter that any refund would be a prorated refund since twenty days had passed from the purchase dateThe customer's daughter advised that CARS was using “loopholes” to get out of paying claims and she should be given a full refund on behalf of her father's Service ContractCARS explained that pursuant to the customer's Service Contract and Texas provisions for cancellation, the customer was entitled to a prorated refund of the amount the customer paid for the Service ContractThe customer's daughter then asked to speak to a manager.On September 21, and September 23, CARS office manager attempted to return telephone calls to the customer; however, the customer was not able to take our telephone calls.Third Claim: On October 27, at 10:a.m., a repair facility advised CARS that thecustomer's vehicle was experiencing thrust rod bushing issuesCARS advised that thrust rod bushings were non-covered components under the customer's Service Contract; therefore, CARS could not offer any assistance with the claimThe claim was then closed.On November 7, at 9:a.m., either the customer or the customer's daughter advised CARS she wanted to cancel the Service ContractCARS then advised that we would send a Service Contract Cancellation Form to the customerThe customer/customer's daughter advised that she wanted immediate managerial assistance with the cancellation of her Service Contract The customer advised that our office manager did not cancel the Service Contract when she requested the cancellation because the customer's daughter is not the contract holderThe customer/customer's daughter advised CARS that we should have called her backAs stated above, CARS attempted to call the customer's daughter back in late September.On November 7, at 9:a.m., CARS advised the customer's daughter that the prorated refund would be sent by CARS to the selling dealer and he would issue the refund monies to the customer.On November 7, at 10:a.m., CARS' office manager called the customerThe customer/customer's daughter advised the office manager that she no longer needed her assistance since she already received the cancellation form from CARS and she had no further questions.By the customer's signature on the Ultimate Value Service Contract the customer acknowledged that the customer read, understood and agreed to the Terms and Conditions of the Service ContractIt is stated in the Service Contract: "COVERED COMPONENTS: COVERAGE LIMITEDTO ABOVE COMPONENTS." Also, as stated under the Terms and Conditions of the customer's Service Contract at Paragraph (a): "COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless of failureHere the catalytic converter, thrust rod bushing and the truck ram motor are not listed as covered components under the customer's Service ContractTherefore, it is the customer's responsibility to pay for these repairs.CARS service contracts are to be utilized to assist with the repair of customers' vehicles and do not provide "all inclusive" coverageTherefore, pursuant to the customer's Service Contract, CARS is not required to pay the full cost of the repairsThe service contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what is specifically covered and the customer's financial responsibility for the tear down, diagnosis charges, filters, taxes, the difference in labor rates and deductible.In the consumer complaint the customer states that the customer would like a refund of the Service ContractIt is stated in the Service Contract under Terms and Conditions at Paragraph (a) and (b): “CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested." and "After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated." Here, CARS received the written cancellation request from the customer on November 10, Since the customer's Service Contract was approved on July 23, 2015, the cancellation request was past the first twenty (20) days.The Service Contract also states: ADDITIONAL STATE DISCLOSURES: THIS IS NOT ANINSURANCE POLICY TEXAS: If a Service contract holder cancels a Service Contract on or after the 31st day of purchase CARS: (a) Shall refund to the Service Contract holder the prorated purchase price of the contract reflecting the remaining term of the contract, based on mileage, time, or another reasonably applicable measure of the remaining term that must be disclosed in the contract, decreased by the amount of any claims paid under the Service Contract, (b) May impose a reasonable cancellation fee not to exceed $50.00..." Here, since CARS has received the customer's request to cancel the service contract in writing, the customer is entitled to a prorated refund under Texas StatutesThe proration of the customer's refund should be calculated on the date CARS received the written request (i.eNovember 10, 2016); however, in a goodwill gesture, CARS is processing a prorated refund back-dating to September 19, 2016, which is the original date the customer verbally requested cancellation of the Service ContractThe prorated refund of CARS' portion of the refund will be mailed to the selling dealerBoth CARS' portion of the refund and the selling dealer's portion of the refund will be provided to the customer by the selling dealer.Please note that CARS service contracts are sold wholesale to selling dealersThe selling dealer had a right to mark up the cost of the Service Contract for a profitTherefore, what the customer paid for the Service Contract is not what CARS received for the cost of the Service Contract.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further question, please contact my office.Jason ** *** General CounselJPM/jmmAttachment

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

August 21, 2017VIA: SUBMITTED TO Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID #***MAZDA CX-VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated August 14, 2017, enclosing
the above-referenced consumer complaintI would like to respond in the following manner: On May 20, 2017, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Power Train Service Contract (Months/4,Miles) and the same was accepted with payment by CARS on June 15, (the attached "Service Contract"]The customer has vehicle coverage on her vehicle until September 15, or 148,miles, whichever occurs first.On July 28, at 10:a.m., a mechanical claim was opened by a repair facility on behalf of the customer's vehicle.On July 28, at 11:a.m., the repair facility advised CARS that the customer’s complaint was that the vehicle was leaking oil, a there was a suspension noise when driving and the check engine light "CEL" was displayedThe repair facility found that there were severe oil leaks from the pcv hose, turbo, rear axle seals and the oil cooler; however, the oil level in the oil cooler was full and the condition was goodThere were severe leaks from the a/c condenser and the radiator at the tank seamThe coolant level was low in the expansion tank, but the condition was goodThe repair facility stated that there were no other coolant leaksThe rear differential fluid was in range and the condition was fairThere were no other rear differential leaksThe right c/v boot was tornThe repair facility found the right outer tie rod end was loose and was the cause of the suspension noiseThe thermostat range was stuck open and not warming in a specified timeThe EGR was stuck partially open and the purge valve was stuck closedThere were codes with the camshaftThe repair facility found that when the vehicle starts it rattles like a loose chain, but the noise goes away after about secondsThe repair facility stated that in the past all the vehicles they have taken apart had chains that were stretchedCARS then advised the repair facility that we would have all the information reviewed and would call back with how to proceed with the claim.On July 28, at 11:a.m., the repair facility confirmed with CARS that the mechanical issues with the customer's vehicle were the result of the failure/stretching of the timing chain and not a result of the oil leaks and the pressure loss caused by the oil leaks.On July 28, at 11:a.m., after the claim was reviewed by management, CARS advised the repair facility that all the non-covered components (i.ethermostat, radiator, rear axle seals, turbo, tie rod, purge valve, a/c condenser, oiler cooler, c/v boot, EGR valve and pcv hose) would need to be repaired and replaced on the customer's vehicle and the “CEL" clearedThe vehicle would then need to be retested prior to CARS being able to determine if CARS could move forward with possible assistance for any remaining timing chain issues.On July 31, at 10:a.m., after obtaining permission from the customer to discuss the claim with her husband, CARS went over the claim with himThe customer's husband inquired as to why CARS was requiring repair of the vehicle prior to determining if we could offer assistanceDuring that telephone call, CARS advised the customer's husband that only the timing chain would be available for possible coverage and all other items in need of repair are non-covered componentsWe also advised the customer's husband that the oil leaks would need to be corrected, the “CEL" cleared and the vehicle retested to determine if a timing chain issue was presentCARS also advised the customer's husband that the repair facility advised CARS that the noise goes away after second, which is not common with a stretch timing chain issueThe customer's husband was not happy with the claim status and was transferred to CARS Claims Director for further assistance.On July 31, at 11:a.m., CARS' Claims Director attempted to explain several times to the customer's husband that the oils leaks would need to be addressed first so that any failures to the timing chain would be determinedThe customer's husband then inquired about a cancellation and any refund amountCARS' Claims Director advised that the customer would need to contact our cancellation departmentOnce the customer was on the line, the call was transferred to the cancellation department.On August 1, at 1:p.m., CARS returned a telephone call to the repair facility and again explained that CARS could not move forward with any possible assistance with the timing chain portion of the claim until all the oil leaks and non-coverage components were repaired and the “CEL" cleared and the vehicle was retested.By the customer's signature on her Power Train Service Contract under the Acceptance to Terms, she acknowledged that she read, understood and agreed to the Covered Components and Terms and Conditions contained thereinThe customer's Service Contract states at: “COVERED COMPONENTS: COVERAGE LIMITED TO ABOVE COMPONENTS." Also, at Paragraphs (a) & (q): "COMPONENTS AND EXPENSES NOT COVERED: COMPONENTS NOT LISTED REGARDLESS OF FAILURECOVERAGELIMITED TO THIS SPECIFIC VERSION OF THE CONTRACT, REGARDLESS OF OTHERREVISIONS." And "FLUID LEAKS AND DAMAGE CAUSED BY FLUID LEAKS." Here, the repair facility that the customer chose to repair her vehicle advised that the vehicle was experiencing multiple component failures and severe oil leaksAs stated above, those components are not listed for coverage under the customer's Service Contract and also oil leaks and damage caused by oil leaks are specifically not coveredTherefore, those repairs would be the sole responsibility of the customer to repairAfter repair of the non-covered components, including all oil leaks, and the “CEL" light cleared, the repair facility would need to retest the vehicle to determine if a timing chain failure was still present with the customer's vehicle.As you can see from the above information, the July 27, mechanical claim opened on behalf of the customer's vehicle has neither been approved nor deniedCARS is not requesting any undue repairs or tear-down, CARS is just trying to determine the actual failed components of the vehicle to ensure that it is properly repaired the first time.As of this date, CARS is still waiting for the repair of the oil leaks and the noncovered components to determine if there is a remaining issue with the timing chainIf after the repairs are completed and the repair facility confirms any remaining timing chain issues, CARS will then be able to move forward with the claim to determine if the timing chain repair will be covered pursuant to the Terms and Conditions of the customer's Power Train Service Contract.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell, and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact my office.Sincerely,Jason *M***General Counsel

Problem:I had previously filed a complaint with the Revdex.com over repairs that they state they did not cover on their contract, but I believe it isIn December after this complaint I received a cancellation form from the company with a post it note telling me they could not refund my year payment to them without the formI completed the form and sent it certified mailWithin days of sending this form I received a letter stating they could not refund my money as it was past the days of the contractI would not have cancelled the policy (a year policy) if I had known they would not refund the remainder of my policy moneyI am only months into a year contract with themI would have continued to file a complaint for every repair they denied for the next four yearsSo now they get to keep $l,of a year contract and it's cancelled??? This company should not be in business.Desired Outcome:Refund my policy money or reestablish the contract so I can continue to file claims

RE: COMPLAINT ID #*** *** *** VIN (Last 8): *** OUR FILE NO.: *** Dear Ms*** I am in receipt of the customer letter dated August 20, 2015, enclosing the above- referenced consumer complaint and respond as follows: According to our records, the
customer purchased the above-referenced vehicle on April 20, On that same date the customer applied for a CARS Ultimate Value Service Contract (Months/Unlimited Miles) and the same was received by CARS and approved with payment on April 25, (See attached Service Contract)On July 7, at 11:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing engine issuesWe then went over claim procedures with the repair facilityOn July 7, at 1:p.m., the customer advised CARS that the customer's vehicle made a quick hesitation and then a noise while driving with cruise control on at seventy (70) miles per hourThe customer further advised that the customer then saw blue smoke from the rear of the customer’s vehicle and when the customer pulled over the customer observed oil dripping on the right side of the customer’s vehicleThe customer advised CARS that the customer would have the customer's repair facility fax maintenance records for the customer's vehicle to CARSOn July 7, at 1:p.m., the repair facility advised CARS that there was a broken rod in the engine and a hole in the blockThe repair facility advised CARS that there were no modifications to the customer’s vehicleCARS then went over our claim procedures with the repair facilityCARS advised the repair facility to obtain the customer’s authorization to pull the spark plug on the cylinder that failed to check for coolant or water getting into the cylinderOn July 8, at 9:a.m., CARS requested that the repair facility obtain the customer's authorization to tear down the customer's vehicle to the point of component failureWe further advised that the customer were responsible for all costs related to the tear down/diagnostics to the customer's vehicle per the Terms and Conditions of the customer’s Service ContractWe again reviewed our claim procedures with the repair facilityEight days later, on July 16, at 9:a.m., the repair facility advised CARS that the cause of failure to the customer's vehicle was that the head gasket was breached between cylinders and which caused the engine to hydro lockThe repair facility advised that they would send photographs to CARSOn July 16, at 10:a.m., after review of the photographs sent by the repair facility, CARS determined that an independent inspection of the customer's vehicle was necessary to verify the cause of failure and extent of damage to the customer's vehicleThe independent inspection occurred the very next day on July 17, The independent inspector found the customer’s vehicle to have oversize wheels and oversize tiresAfter management review of the independent inspection, CARS determined that the customer's Service Contract was now cancelled and CARS was unable to assist with the repair of the customer’s vehicle due to the alterations/modification to the customer's vehicle pursuant to the Term and Conditions of the customer's Service ContractOn July 20, at 10:a.m., CARS advised the repair facility that the customer's Service Contract was cancelled and CARS was unable to assist with the repair of the customer's vehicle pursuant to the customer's Service ContractThe claim was then closed by CARSOn July 23, at 1:p.m., in a recorded telephone call with CARS the customer advised that the wheels were changed for aesthetics not performanceOn July 28, 2015, CARS sent the attached letter to the customer advising him of CARS' decision and the cancellation of his Service Contract coverage regarding his July 7, engine claimBy the customer’s signature on the customer’s Ultimate Value Service Contract the customer acknowledged that the customer read, understood and agreed to the terms and conditions contained thereinIt is stated under the Terms and Conditions at Paragraph 1(d): “COMPONENTS AND EXPENSES NOT COVERED: Vehicles that are modified or altered from the original manufacturer's specifications, including but not limited to the following modifications: frame, suspension or body lift kits, wheels/tires (not to OEM specifications), emission system, exhaust system, engine, transmission and drive axle, regardless of when modifications or alterations were performed.” The customer's service contract also states at Paragraph 2(f) and 2(d): "PROVISIONS OF THE SERVICE CONTRACT: "Altered or modified vehicles are not covered and shall also void the service contract." and "We reserve the right to reject or cancel any application or Service Contract for cause as determined by CARS." On July 7, 2015, the repair facility advised CARS that there were no modifications to the customer's vehicle; however, in a recorded telephone call on July 13, the customer advised CARS that the wheels on the customer's vehicle were changed for aestheticsIn addition, the independent inspector found the wheels/tires on the customer's vehicle to be modified; therefore, pursuant to the customer's Service Contract CARS cancelled the customer's Service Contract for modifications/alterations of the wheel/tire sizeThe alterations/modifications of the customer's vehicle are not according to the manufacturer's specificationsThe alterations/modifications can affect the way the vehicle performs and also can cause undue mechanical problems with the vehicleHere, if Garrett had advised CARS of the oversize wheels and oversize tires on the customer’s vehicle, CARS would have cancelled the customer’s Service Contract immediately and not moved forward with the engine claim made on behalf of the customer’s vehicleIt is also stated in our cancellation policies for altered/modified vehicles are clearly stated at Paragraph (c): "CANCELLATION PROVISIONS: If a vehicle is altered or modified after purchase and if a claim has been made or paid, the Service Contract is cancelled and no refund shall be issued." As stated in the Terms and Conditions of the service contract, the customer is not entitled to a refund of the customer's Service ContractCARS relies on the information provided to us by the repair facilities, independent inspections and customers since we cannot inspect every vehicle that has a service contract with usOnce notified of a modified/altered vehicle, CARS has the right to cancel the service immediatelyThe customer’s Service Contract is void due to the alterations/modifications; therefore, the customer no longer has service coverage under any of CARS service contractsWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If the customer has any further questions regarding this matter, please do not hesitate to contact me. Sincerely, Jason * *** General Counsel

COMPLAINT ID #*** *** *** VIN (Last 8): *** OUR FILE NO.: *** Dear Ms*** I am in receipt of your letter dated August 13, 2015, enclosing the above-referenced consumer complaint and respond as follows: According to our records, the customer
purchased the above- referenced vehicle on February 5, On that same date the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was received with payment and approved by CARS on February 6, (See attached Service Contract)Since the inception of the customer's Service Contract three (3) claims have been opened as follows: First Claim: On April 28, 2015, at 9:a.m., CARS received a telephone call from the repair facility advising that the customer’s vehicle was experiencing radiator issuesWe then went over our claim procedures with the repair facilityOn April 28, 2015, at 9:a.m., the repair facility advised CARS that the radiator was leaking fluidWe then went over the amount we could authorize for the claim as follows: We could supply the radiator for $We could assist with the fluids for the repair in the amount of $Mitchell’s OnDemand labor guide stated the total repair should take hours to complete, and the customer's service contract pays $per hour for laborTherefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $262.79, and we could supply the parts as stated above a pay $towards labor and $towards fluids or pay $towards the repair of the customer's choiceOn April 28, 2015, at 9:a.m., the customer called CARS to go over his Service Contract because he was not aware that he had a $deductibleWe then went over the Terms and Conditions of his Service ContractWe then went over his options for CARS' assistance with the radiator claimThe customer advised that he may want to have the radiator shippedOn April 29, 2015, at 9:a.m., CARS telephoned the repair facility to inquire if the customer had made a decision regarding our assistance with the repair of his radiatorThe repair facility advised that the customer's vehicle was being towed out of the repair facility as we spokeCARS then advised the repair facility that a new claim must be opened if the vehicle returned to the repair facility for the radiator repairFive days later, on May 4, at 10:a.m., the repair facility advised CARS that the customer’s vehicle was not towed from the repair facilityThe repair facility advised CARS that the customer wanted CARS to supply the radiator for the repair of his vehicleOn May 4, at 11:a.m., the repair facility telephoned CARS to advise that the customer decided to use CARS' allowance because he did not want to wait for the supplied partWe then gave an authorization number for the repair facility to begin the repairs to the customer’s vehiclePursuant to the Terms and Conditions of the customer's Service Contract, on May 5, CARS paid the repair facility a total of $via credit cardThe claim was then closedSecond Claim: On June 12, 2015, at 9:a.m., CARS received a telephone call from the repair facility advising that the customer's vehicle was experiencing rear control arms, rear shocks, rear tow link, rear sway bar link, left front wheel bearing, tie rod, valve cover gasket and alignment issuesWe then went over our claim procedures with the repair facilityOn June 12, 2015, at 9:a.m., pursuant to the Terms and Conditions of the customer's Service Contract, we then went over the amount we could authorize for the claim as follows: We could supply the left front wheel bearing for $Mitchell's OnDemand labor guide stated the total repair should take hours to complete, and the customer's service contract pays $per hour for laborWe explained that the total value of the claim after the deductible was applied was $109.31, and we could supply the parts as stated above; however we would be unable to assist with the labor charges since the cost of labor was less than the deductible, or pay $towards the repair of the customer's choiceThe customer chose to take the cash allowance to use toward the repair of his choiceOn June 12, 2015, at 10:a.m., CARS then gave an authorization number to the repair facility to begin repairs to the customer's vehicleWe advised that the authorization number was good for daysThe repair facility has not yet submitted an invoice for payment to CARSThird Claim: On August 5, 2015, at 4:p.m., CARS received a telephone call from the repair facility advising that the customer's vehicle was experiencing coil pack issuesWe then went over our claim procedures with the repair facilityOn August 5, 2015, at 5:p.m., pursuant to the Terms and Conditions of the customer's Service Contract, we then went over the amount we could authorize for the claim as follows: We could supply front coil for $Mitchell's OnDemand labor guide stated the total repair should take hours to complete, and the customer's service contract pays $per hour for laborWe explained that the total value of the claim after the deductible was applied was $123.50, and we could supply the parts as stated above; however we would be unable to assist with the labor charges since the cost of labor was less than the deductible, or pay $towards the repair of the customer’s choiceOn August 6, 2015, at 3:p.m., the repair facility telephoned CARS with their address so that CARS could supply the part as stated aboveThe supplied part left our suppliers warehouse on August 7, On August 11, 2015, at 2:p.m., CARS telephoned our supplier for shipping information on the front coil since the repair facility had not yet received the partWe then left a message with the tracking information for the customerOn August 13, at 2:p.m., after receiving the customer's consumer compliant, CARS advised the repair facility that the tracking number shows the supplied part to be in the shipper’s warehouse with no estimated time of arrivalTherefore, CARS will pay the repair facility to use their part and waive the $deductibleCARS advised that the total allowance for the claim is now $CARS then reviewed our billing proceduresAs of today, August 17, 2015, CARS has not received the invoice from the repair facility for the repairs to the customer’s vehicleBy the customer's signature on his Value Plus Service Contract, he acknowledged that she read, understood and agreed to the Terms and Conditions of her Service ContractIt is stated in the service contract: "COVERED COMPONENTS: COVERAGE LIMITED TO ABOVE COMPONENTS." and under Terms and Conditions at Paragraph 1(a): "COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless of failure." Here, during the processing of the June 12, mechanical claim made on behalf of the customer's vehicle, the rear control arms, rear shocks, rear tow link, rear sway bar link, tie rod, and valve cover gasket are not listed for coverageTherefore, it is the customer's responsibility to repair the non-covered covered componentsIt is stated in the customer's Service Contract under the Terms and Conditions at Paragraph (k): PROVISIONS OF THE SERVICE CONTRACT: CARS will arrange for payment of the amount of the authorized repair, less related charges not covered by the Service Contract, less a $deductible per claim." During the processing of the April 28, the customer advised CARS that he was unaware of the $deductible per claimCARS did waive the $deductible for the customer during the processing of the August 5, coil pack claim due to the delay of the repair facility receiving the partIt is stated in the customer’s Service Contract under the Terms and Conditions at Paragraph 3(a) and 3(e): "SERVICE CONTRACT CLAIM PROCEDURE: Your vehicle must be at a repair facilitywithin the continental United States, open to the public during business hours and capable to perform tear-down to the point of: determine the cause and extent of damage, and rebuild the component if necessary if CARS deems necessaryThe vehicle must remain at the repair facility until all repairs are complete.” In the customer's consumer complaint, the customer states that during the processing of the April 28, claim his vehicle was in the repair facility five (5) days longer than necessary because CARS did not sent the partAs stated above in the summary of the April 28, claim, when CARS telephoned the repair facility on April 29, to obtain the customer’s decision, we were advised that the customer's vehicle was being towed from the repair facilityWe then advised the repair facility that the claim was now closed and a new claim would have to be opened if the customer returned his vehicle for repairsIt wasn't until May 4, that the repair facility advised CARS that the customer's vehicle had not been towed from the repair facility and the customer would like the cash allowanceAt that time CARS immediately issued an authorization number for the repair of the customer's vehicleCARS relies on the information provided by the repair facility and here we were given the wrong information from the repair facility which caused the delay in the processing of the customer's mechanical claimWe would like to point out here that the first claim opened on behalf of the customer's vehicle was processed in one (1) day by CARS; however, we were waiting on the customer’s decision and then given the wrong information by the repair facility chosen by the customerThe second claim was processed in one (1) dayUnfortunately, although CARS and our supplier fulfilled their responsibility, the shipper left the package containing the supplied part in a warehouseWhen made aware of the issues, CARS management waived the $deductible for the customer in a goodwill gesture and authorized the repair facility to use their part for the repair of the customer's vehicleUnder the customer's Service Contract, we were not required to cover the full cost of the repairThe customer’s Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and their financial responsibility for the tear-down, diagnosis charges, filters, and taxesThe customer has Service Contract coverage through February 6, CARS will review any claims opened on behalf of the customer’s vehicle and if the failures are covered pursuant to the Terms and Conditions of his Service Contract, CARS will pay accordinglyWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me. Sincerely,Jason ** ***General Counsel

Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA RE: COMPLAINT ID #*** FORD EVIN (Last 8): *** OUR FILE NO.: C-*** Dear Ms*** am in receipt of your letter dated January 13, enclosing the above-referenced
consumer complaint and respond as follows: On October 16, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Limited Service Contract (Months/4,Miles) and the same was accepted with payment by CARS on October 19, (the attached "Service Contract”)On January 11, at 2:p.m., the customer advised CARS that his vehicle was experiencing transmission issuesCARS than went over his Service Contract coverage and our claim procedures and was seeking reimbursement for the repairThe customer further advised that calipers had been replaced on January 7, CARS advised that pursuant to the Terms and Conditions of his Service Contract, CARS could not offer any assistance with the caliper replacement since the replacement had not been authorized by CARSOn January 11, at 3:p.m., a repair facility contacted CARS advising that the customer’s vehicle was experiencing tail shaft seal, bushings, and rear caliper issuesThe repair facility advised CARS that the customer's vehicle was not at the repair facilityCARS advised the repair facility that the seal and bushings were non-covered components under the customer’s Service ContractThe repair facility further advised that the calipers were already replacedThe repair facility began to argue that the seal and bushings were part of the transmissionWe then advised the repair facility to contact the customer and have him return the vehicle to the repair facility so that a claim could be opened on behalf of the customer’s vehicleOn January 11, at 3:p.m., the repair facility contacted CARS advising that the customer's vehicle was experiencing tail shaft seal, bushings, and rear caliper issuesThe repair facility advised that the calipers had been replaced on January 7, and the customer had returned his vehicle to the repair facility to open a claim for the tail shaft seal and bushingsOn January 12, at 10:a.m., CARS advised the repair facility that we were unable to assist with the calipers since a claim was not opened and authorized prior to the repair being performedCARS further advised that the extension housing on the transmission is a bolt on assembly and not an internal component to the transmissionCARS explained that the bushing was located on the extension housing; therefore, it was not covered under the customer’s Service ContractCARS further advised that seals are non-covered components under the customer's Service ContractOn January 12, at 1:p.m., CARS advised the customer that CARS pursuant to the Terms and Conditions of his Service Contract, CARS was unable to assist with the repair of his vehicleCARS advised that we could not assist with the calipers since a claim was not opened and authorized prior to the repair being performedCARS further advised that the extension housing on the transmission is a bolt on assembly and not an internal component to the transmissionCARS explained that the bushing was located on the extension housing; therefore, it was not covered under his Service ContractCARS further advised that seals are non-covered components under the customer's Service ContractThe claim was then closedOn January 12, at 1:p.m., the customer advised CARS that he would like a refund of his Service ContractCARS advised that pursuant to the Terms and Conditions of his Service Contract he is not eligible for a refund of his Service ContractBy the customer's signature on his Value Limited Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service ContractIt is stated in the Service Contract: "COVERED COMPONENTS: COVERAGE LIMITED TO ABOVE COMPONENTS.” and under the Terms and Conditions at Paragraph 1(a): "COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless of failure.” Here, the housing extension is a bolt on assembly and can be purchased separately from the transmission; therefore, it is not covered under the customer's Service ContractPursuant to the customer's Service Contract, it is the responsibility of the customer to repair the housing extension/bushingThe customer's Service Contract also states under "COVERED COMPONENTS: AUTOMATIC TRANSMISSION/TRANSFER CASE: Lubricated parts contained within the transmission or transfer case housing...” and "Transmission/transfer case only if damage by a covered component internal to the transmission/transfer case housing.” Here the bushing is located on the back of the housing extension which is a non-lubricated part; therefore, it is not covered under the customer's Service ContractAdditionally, the housing extension can be purchase separately from the transfer case housing; therefore, it is a separate part from the transmission and transfer case housingIt is stated in the Service Contract: "COVERED COMPONENTS: SEALS & GASKETS Seals and gaskets are covered only when required in conjunction with the replacement of a covered component." Here, no covered components are being replaced; therefore, the tail shaft seal is not covered under the customer's Service ContractIt is also stated under the Terms and Conditions at Paragraph 3(b): "The repair facility MUST call CARS, at 888-335-to open a claim BEFORE any repairs have begun.” Here, the customer and the repair facility advised CARS that the calipers were replaced on January 7, 2016, which was prior to a claim being opened on behalf of the customer's vehicleTherefore, CARS is unable to assist with the replacement of the calipersFor all the reasons stated above, CARS stands behind our original decision and is unable to assist with the January 11, claim made on behalf of the customer's vehicleIn his consumer complaint the customer has requested a refund of his Service ContractThe customer's service contract states under Terms and Conditions at Paragraph (a) and (b): "CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested." and “After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated.” Additionally, CARS is regulated on refund policies by each state that CARS conducts business in and we strictly adhere in those states where their statutes supersede our cancellation provisionsHere, the customer signed the service contract application when he purchased the above-referenced vehicle in New Jersey stating that he had read, understood and agreed to the terms of the Service ContractCARS is not directed by any state statute in New Jersey to refund any monies to the customer for the cancellation of a service contractTherefore, pursuant to his Service Contract the customer is not entitled to a refundUnder the customer's Service Contract, we were not required to cover the full cost of the repairThe service contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and the customer’s financial responsibility for the tear down, diagnosis charges, filters, and taxesThe customer's Service Contract expired on January 19, The customer no longer has any coverage under any of CARS' service contracts and no claims can be opened on behalf of the customer's vehicleWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact meSincerely, Jason P*** General Counsel

June 9, VIA: Submitted to Revdex.com website *** *** Revdex.com of Western Pennsylvania *** *** *** *** *** *** ** *** RE: COMPLAINT ID #*** PONTIAC GTO VIN (Last 8): *** OUR FILE NO.: *** Dear Ms***: I am in receipt of your letter
dated June 7, 2016, enclosing the above-referenced consumer complaint and respond as follows: According to our records, the customer purchased the above-referenced vehicle on March 12, On that same date the customer also applied for a CARS Power Train Service Contract (Months/4,Miles] and the same was received with payment and approved by CARS on March 16, The customer’s Service Contract will expire on June 16, On June 3, at 10:a.m., a repair facility advised CARS that the customer's vehicle was experiencing prop shaft issuesCARS then reviewed our claim procedures with the repair facilityOn June 3, at 1:p.m., CARS went over the amount we could authorize with the repair facility as follows: We could supply the driveshaft for $ProDemand labor guide stated that the repair should take hours to complete and the customer’s service contract pays up to $per hourTherefore, total labor covered was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $434.00, and we could supply the part as stated above and pay $towards labor or pay $towards the repair of the customer’s choiceWe then asked the repair facility to get back us with the customer's decisionBy the customer’s signature on his Power Train Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinThe customer's service contract states under terms and conditions at Paragraph 3(f): "SERVICE CONTRACT CLAIM PROCEDURE: CARS has the option to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs." When CARS selected the above-mentioned replacement part we use the cost of the parts to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt is the customer's decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleAny supplied parts we provide are tested and known to be in good working conditionNowhere in our contract does it state that we must provide the customer with a new part when replacing a failed componentIt is stated at Paragraph 2(C]: PROVISIONS OF THE SERVICE CONTRACT: The Service Contract does NOT go into effect until: (1) this application is.received by CARS Protection Plus, Inc(“CARS”), (2) with proper payment, and (3) approved by CARS, which may be different than my date of vehicle purchaseThis Service Contract will last for the time period or mileage indicated whichever occurs first, so long as You own the vehicle.” The customer’s Service Contract expires on June 16, 2016; therefore, the supplied driveshaft will not have coverage beyond June 16, The customer's Service Contract is to be utilized to assist with the repair of her vehicle and does not provide "all inclusive" coverageTherefore, pursuant to the customer’s Service Contract, CARS is not required to pay the full cost of the repairsThe Service Contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverageVarious provisions of the Service Contract inform the customer what is specifically covered and her financial responsibility for the tear down, diagnosis charges, non-covered components, filters, taxes, the difference in labor rates and deductiblePursuant to the Terms and Conditions of the customer's Service Contract, CARS is not required to offer any further assistance with the repair of the customer’s vehicleHowever, in a goodwill gesture, CARS has advised the customer that we are willing to provide a new driveshaft for the repair of his vehicle and all other expenses associated with the repair of his vehicle would be the customer's responsibilityThe customer advised CARS that he is agreeable to thisCARS now considers this Revdex.com complaint as resolved.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell, and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact my office.Sincerely,Jason PM***General Counsel JPM/jmm Attachment

July 27, 2017VIA: Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID# ***VIN (Last 8): ***OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated July 25, 2017, enclosing the above-referenced consumer
complaint.Please be advised that CARS has resolved all the issues regarding this complaint with the customer.Therefore, at this time, CARS is requesting that you mark this complaint as resolvedIf you have any further questions regarding this matter, please do not hesitate to contact my office.Sincerely,Jason *M*** General Counsel

December 18, 2015VIA: SUBMITTED TO Revdex.com WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***CADILLAC SRX VIN (Last 8): *** OUR FILE NO.: C-***Dear Ms***I am in receipt of your letter dated December 17, 2015,
enclosing the above-referenced consumer complaintI would like to respond in the following manner: On September 15, 2014, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on September 23, (the attached "Service Contract”).Since the inception of the customer's Service Contract two (2) mechanical claims have been opened on behalf of the customer’s vehicle.First Claim: On August 31, at 4:p.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing left window motor, center support bearings, driveshaft, rear axle bushings and air conditioning compressor issuesWe then went over our claim procedures with the repair facility.On September 1, at 9:a.m., CARS went over the amount we could authorize for the claim with the repair facility as follows: We could supply the left window motor for $168.00, the driveshaft for $and the air conditioner compressor for $CARS would also assist with fluids needed for the repair in the amount of $Mitchell OnDemand labor guide stated the total repair should take hours to complete, and the customer's Service Contract pays up to $per hour for laborTherefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $1,055.00, and we could supply the parts as stated above and pay $toward labor and $towards the cost of fluids or pay $1,towards the repair of the customer's choice.On September 4, at 1:p.m., the repair facility advised CARS that the customer chose to use the cash allowance towards the repair of her vehicleCARS provided the repair facility an authorization number to begin repairs on the customer's vehicle.Pursuant to the Terms and Conditions of the customer’s Service Contract, on September 8, 2015, CARS paid the repair facility $1,via credit cardThe claim was then closed.Second Claim: On November 23, at 4:p.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing lower control arms, transfer case, rear wheel bearing, steering rack boot, tie rod, power steering pressure hose, alternator belt tensioner, rear differential bushings and sway bar issuesWe then went over our claim procedures with the repair facility.On December 1, at 9:a.m., the customer informed CARS that she was moving her vehicle to a repair facility that charged less for labor.On December 14, at 11:a.m., the customer telephoned CARS to check on the status of her claimShe advised CARS that she had not moved her vehicle from the repair facility that contacted CARS on November 23, CARS advised the customer that the repair facility must contact CARS with their findings in order for us to move forward with her claimWe further advised that the repair facility should have obtained her permission to tear-down the transfer case to the point of component failureThe customer advised CARS that the repair facility had completed the required tear-down and she would contact them.On December 16, at 11:a.m., the customer again telephoned CARS to check on the status of her claimCARS again advised that we have not heard from the repair facility since November 23, 2015.On December 16, at 1:p.m., since CARS had not heard from the repair facility, CARS telephoned the repair facility to check on the status of the customer’s claimThe repair facility reviewed their findings with CARSCARS requested that the repair facility send their findings to CARS for review.On December 16, at 4:p.m., CARS went over the amount we could authorize for the claim with the repair facility as follows: We could supply the transfer case for $720.00, the right wheel bearing for $and the power steering hose for $CARS would also assist with fluids needed or the repair in the amount of $Mitchell OnDemand labor guide stated the total repair should take hours to complete, and the customer's Service Contract pays up to $per hour for laborTherefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $1,316.51, and we could supply the parts as stated above and pay $toward labor and $towards the cost of fluids or pay $1,towards the repair of the customer’s choiceCARS then advised the repair facility to call us back with the customer’s decision.On December 17, at a.m., a CARS claims manager reviewed the claim with the customerThe claims manager advised that according to the information CARS received from the repair facility the inner tie rod, not the rack had failedThe customer advised that was not what was told to her by the repair facility managerThe customer requested that the repair facility manager be included on the telephone call and CARS agreedThe repair facility manager advised that the boot was torn and the inner tie rod has failedOur claim manager advised that both of these parts can be replaced/repaired without replacing the rackThe repair facility manager agreed and then advised that he did not know if the rack had failedOur claim manager suggested that the repair facility could fill the rack with fluid to see if any abnoise or hesitation occurredThe repair facility manager agreed that this could be doneCARS claim manager advised that the control arms are not covered components under the customer's Service ContractThe repair facility manager agreed and advised the customer he would talk to her later.By the customer's signature on her Value Plus Service Contract she acknowledged that she read, understood and agreed to the Terms and Conditions of her Service ContractIt is stated in the Service Contract at Paragraph (f): "SERVICE CONTRACT CLAIM PROCEDURE: CARS has the right to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs." When CARS selected the above-mentioned replacement parts we use the cost of the parts to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt was the customer's decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleNowhere in our contract does it state that we must provide the customer with a new part when replacing a failed componentHere, as stated above the customer has the option of taking the cash allowance of $1,towards the repair of her choice or having CARS supply the parts.It is stated in the customer's Service Contract: "COVERED COMPONENTS: COVERAGE LIMITED TO ABOVE COMPONENTS." and under Terms and Conditions at Paragraph 1(a): "COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless offailure." Here, the control arms, inner tie rod, boot and front timing cover are not listed for coverage under the customer’s Service ContractTherefore, it is the customer is responsibility to repair/replace these parts.We would like to point out here that the repair facility has not advised CARS that the rack has failedThe inner tie rod and boot have failed on the customer's vehicle and these parts can be purchased and replaced separately from the rackTherefore, CARS is unable to assist with the replacement of the rack.The customer's Service Contract states at Paragraph l(r): "COMPONENTS AND EXPENSES NOT COVERED: Fluid leaks and damage caused by fluid leaks." Here, the front timing cover leaking oil is not covered under the customer’s Service Contract.Under the customer's Service Contract, we were not required to cover the full cost of the repairThe Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it is not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and the customer’s financial responsibility for the tear down, diagnosis charges, filters, and taxes.CARS relies on the information that is received from the customer and the repair facility to determine if a repair is covered pursuant to the Terms and Conditions of the Service ContractHere, the repair facility advised CARS that the inner tie rod and boot had failed and these are separate components because they can be replaced independently from the rack.CARS stands by its decision and is unable to offer any further assistance with the November 23, claim made on behalf of the customer's vehicle pursuant to the Terms and Conditions of her Service ContractIf the repair facility has any further information to provide CARS, the repair facility should contact CARS directly.The customer has Service Contract coverage through September 23, If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer's Service ContractIf the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of his Value Plus Service Contract.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,Jason P*** General CounselJPM/jmm

January 31, 2018VIA: Revdex.com WEBSITE Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220 RE: BUICK
ENCLAVE VIN (Last 8): *** OUR FILE NO.: *** Revdex.com COMPLAINT NO.: *** Dear Ms***: I am in receipt of your letter dated January 25, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle. I would like to respond as follows: Our records indicate that on April 11, 2016, the customer purchased the above-referenced vehicle. On that same day, the customer also applied for an Ultimate Value Service Contract (Months/Unlimited Miles). CARS received with payment and approved the customer’s Ultimate Value Service Contract on April 12, 2016. (See attached Service Contract). Since the inception of the customer’s Service Contract, three (3) claims have been properly opened on behalf of the customer’s vehicle. CARS was willing to authorize the amount of $for one of the claims and CARS assisted and paid two other claims for the repair to the customer’s vehicle in the total amount of $1,as follows: First Claim: On October 26, 2016, a repair facility advised CARS that the customer’s vehicle was experiencing fuel injector issues. CARS then reviewed our claim procedures with the repair facility. On October 26, at 2:p.m., CARS went over the amount we could authorize for the claim as follows: We could supply the fuel injector for $and gasket for $ProDemand labor guide stated the total repair should take hours to complete and pursuant to the customer’s Service Contract CARS would pay hour of diagnostics, and the customer’s Service Contract pays $per hour for labor. Therefore, total labor was $360.00. The claim was also subject to a $deductible. We explained to the repair facility that the total value of the authorized claim after the deductible was applied was $356.35. CARS further explained that the customer had two (2) choices for assistance with the approved claim: CARS could either supply the parts as stated above or the customer could take a cash allowance totaling $to be used towards the specifically-authorized repairIf the customer chose for CARS to ship our supplied part, CARS would assist with the labor in the amount of $260.00. The repair facility advised that that they would get back to us regarding the customer’s decision. On November 11, at 9:a.m., the repair facility advised CARS that the customer removed the vehicle without having any repairs completed on his vehicle. The claim was then closed. Second Claim: On April 3, 2017, a repair facility advised CARS that the customer’s vehicle was experiencing ignition coil, Osensor and high pressure fuel pump issues. CARS then reviewed our claim procedures with the repair facility. On April 4, at 9:a.m., the repair facility advised CARS that the check engine light was displayed in the customer’s vehicle and the vehicle was running roughThe repair facility advised CARS that the high pressure pump and the #ignition coil had failed. CARS then reviewed our claim procedures with the repair facility. On April 4, at 10:a.m., CARS went over the amount we could authorize for the claim as follows: We could supply the ignition coil for $27.79, the high pressure fuel pump for $and the Osensor for $ProDemand labor guide stated the total repair should take hours to complete and the repair facility’s labor rate for the repair was $per hourTherefore, total labor was $The claim was also subject to a $deductible. We explained to the repair facility that the total value of the authorized claim after the deductible was applied was $427.37. CARS further explained that the customer had two (2) choices for assistance with the approved claim: CARS could either supply the parts as stated above or the customer could take a cash allowance totaling $to be used towards the specifically-authorized repairIf the customer chose for CARS to ship our supplied part, CARS would assist with the labor in the amount of $155.00. The repair facility advised that that they would get back to us regarding the customer’s decision. On April 6, at 1:p.m., the repair facility advised CARS that the customer would like the allowance to use towards the repair of his vehicle. On April 6, 2017, pursuant to the Terms and Conditions of the customer’s Service Contract, CARS paid the repair facility $to assist with the repair of the customer’s vehicle via credit card. The claim was then closed. Third Claim: On June 30, 2017, a repair facility advised CARS that the customer’s vehicle was experiencing thermostat, injector and front strut issues. CARS then reviewed our claim procedures with the repair facility. On June 30, at 4:p.m., the repair facility advised CARS that the customer’s vehicle was driven to the repair facility due to misfires, fuel injector, front strut and thermostat issues. The repair facility further advised that there was a hole in the air conditioner condenser. CARS then reviewed our claim procedures with the repair facility. On June 30, at 4:p.m., CARS went over the amount we could authorize for the claim as follows: We could supply the injectors for $106.33, thermostat for $13.94, and the air conditioner condenser for $68.00. CARS could assist with the Freon in the amount of $and coolant in the amount of $ProDemand labor guide stated the total repair should take hours to complete and the repair facility’s labor rate for the repair was $per hourTherefore, total labor was $The claim was also subject to a $deductible. We explained to the repair facility that the total value of the authorized claim after the deductible was applied was $611.74. CARS further explained that the customer had two (2) choices for assistance with the approved claim: CARS could either supply the parts as stated above or the customer could take a cash allowance totaling $to be used towards the specifically-authorized repairIf the customer chose for CARS to ship our supplied parts, CARS would assist with the labor in the amount of $611.74, Freon in the amount of $and coolant in the amount of $44.97. The repair facility advised that that they would get back to us regarding the customer’s decision. On June 30, at 4:p.m., the repair facility advised CARS that the customer would like the allowance to use towards the repair of his vehicle and that CARS was to pay the allowance for the repair of the vehicle directly to the customer On June 30, at 4:p.m., CARS provided an authorization number to the repair facility for the repair of the customer’s vehicle. On July 14, at 3:p.m., pursuant to the Terms and Conditions of the customer’s Service Contract, CARS paid the customer $to assist with the repair of his vehicle via check. The claim was then closed. On January 25, at 8:a.m., the customer advised CARS that the throttle body, canister purge, solenoid were repaired on January 8, and the Osensor, bank sensor and sensor were repaired on January 22, at a repair facility that had previously repaired the customer’s vehicle. CARS advised the customer that we were unable to assist with the repair since a mechanical claim was never opened on behalf of his vehicle. CARS advised the customer that during previous repairs, mechanical claims had been properly opened and our claim procedures had been properly followed pursuant to the Terms and Conditions of his Service Contract; however, our claim procedures where not followed for the recent repairs to his vehicleCARS then attempted to transfer the customer to a supervisor; however, the telephone call ended before the transfer could occur. On January 25, at 9:a.m., CARS customer service manager reviewed our claim procedures with the customer. CARS advised the customer that pursuant to the Terms and Conditions of the customer’s Service Contract, we were unable to assist with the repair of his vehicle since a mechanical claim on behalf of his vehicle was not opened by a repair facility and authorized by CARS. The customer asked for an exception to his Service Contract and requested to speak to the customer service manager’s supervisor. On January 25, at 9:a.m., CARS office manager advised the customer that pursuant to the Terms and Conditions of the customer’s Service Contract, we were unable to assist with the repair of his vehicle since a mechanical claim on behalf of his vehicle was not opened by a repair facility and authorized by CARS. The customer asked for an exception to his Service Contract. Our office manager advised that CARS was unable to assist with the repair of the customer’s vehicle pursuant to the Terms and Conditions of his Service Contract. By the customer’s signature on his Ultimate Values Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service Contract. The Service Contract states under Terms and Conditions at: 1(c): “COMPONENTS AND EXPENSES NOT COVERED: Any repair done without prior authorization from CARS.” The customer’s Service Contract further states at (a), (b), (e) and (g): “SERVICE CONTRACT CLAIM PROCEDURES: Your vehicle must be at a repair facility, within the continental United States, open to the public during business hours and capable to: perform tear-down to the point of component failure, determine the cause and extent of damage, and rebuild the component if CARS deems necessary. The vehicle must remain at the repair facility until repairs are complete…”, “The repair facility must call CARS at 888-335-to open a claim BEFORE any repairs have begun.”, “The repair facility MUST provide CARS with an estimate and obtain an authorization number BEFORE any repairs are begun.” … “If it is determined a covered component has failed and an estimate for the repairs is approved by CARS, an authorization number will be issued for the repair.” By requiring the claim procedures to be properly followed, CARS is able to calculate the money allowance if it is determined that the repair is covered under the Service Contract and it increases the probability that the vehicle would be fixed right the first timeHere, however, CARS was not given the opportunity to determine if the repairs would be covered and give authorization for the repair, prior to the repairs being performed. The repair facility never provided CARS with its findings or an estimate prior to the repair of his vehicleHere, CARS’ claim procedures were not followed; therefore, CARS was unable to pay for any repairs performed by the repair facility. Under the customer’s Service Contract, we were not required to cover the full cost of the repair. The Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it is not comprehensive (bumper to bumper) coverage. Various provisions of the service contract inform the customer what components are specifically covered and his financial responsibility for the tear down, diagnosis charges, filters, and taxes. As evidenced in the above paragraphs, when our claim procedures were followed properly, CARS processed, authorized and paid the mechanical claims opened on behalf of the customer’s vehicle. To reiterate, the repair facility did not open a claim on behalf of the customer’s vehicle or provide CARS with an estimate for the repair of the customer’s vehicle; therefore, CARS is unable to assist with the repair of the customer’s vehicle CARS is not responsible for any monies for the repair of the customer’s vehicle because the claim procedures were not followed. The customer’s vehicle has Service Contract coverage through April 12, 2020. If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer’s Service Contract. If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer’s Service Contract. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell, and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact my office. Sincerely,Jason ** M*** General Counsel JPM/jmmAttachment

February 5, 2018VIA: Revdex.com WEBSITE Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220 RE: JEEP GRAND
CHEROKEE VIN (Last 8): *** OUR FILE NO.: *** Revdex.com COMPLAINT NO.: *** Dear Ms***: I am in receipt of your letter dated February 1, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle. I would like to respond as follows: CARS has issued a check to the customer for a full refund of the amount he paid for his Service Contract and considers this matter now resolved. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further question, please contact my office. Sincerely,Jason ** M***General Counsel JPM/jmmAttachment