Fox Concrete

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.? I would truly like to understand what the procedure is if when work needs to be done on a holiday, evening or weekend when you are not open.? Are we supposed to wait until you do answer phones?? Even though the claimants happen to be working people who might not be able to get the work done until the next weekend?? What if that causes an accident or worse??? That is something your company should definitely ? look into
Regards,
*** ***

PROTECTION PLUS August 17, VIA:? ? ? SUBMITTED TO Revdex.com WEBSITE *** *** Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA RE:? ? ? ? ? Complaint No*** FORD RANGER VIN (Last 8): *** OUR FILE NO.: *** Dear Ms
*** I am in receipt of your letter dated August 15, 2016, enclosing the above-referenced consumer complaintI would like to respond in the following manner: On June 18, 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 July 5, On July 21, 2016, the customer upgraded his Service Contract to a Value Limited Service Contract (see attached Service Contract)On August 15, at 9:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing alternator issuesWe then went over our claim procedures with the repair facilityOn August 15, at 10:a.m., the repair facility advised CARS that the customer’s vehicle shut down while being drivenThe repair facility advised that they had run a charging system test which determined that the alternator failedCARS then reviewed our claim procedures with the repair facilityOn August 15, at 11:01, CARS went over the amount we could authorize for the repair of the customer’s vehicle as follows: We could supply the alternator for $ProDemand 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 $25.71, and we could supply the part as stated above, or pay $towards the repair of the customer's choiceThe repair facility advised CARS that they would get back to us with the customer's decisionThe customer states in his consumer complaint that CARS was unavailable to authorize a claim on August 12, The customer is correctCARS was unavailable to open or authorize a claim on August 12, due to a catastrophic phone system failureCARS apologizes for this inconvenienceCARS has, again, reviewed this claimCARS called the local NAPA store in the area of the customer’s repair and were advised that an alternator could be purchased for $ProDemand 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 $ In a goodwill gesture, due to the inconvenience caused to the customer, CARS is willing to reimburse the customer as follows: We can authorize $for the alternatorProDemand 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 $deductibleTherefore, CARS is willing to assist with the repair of the customer's vehicle in the amount of $Upon receipt of a proper invoice, CARS will issue the customer a check in the amount of $By the customer's signature on his Power Train Service Contract and his upgrade to a 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 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 is the customer’s decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleCARS 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 his financial responsibility for the tear down, diagnosis charges, filters, taxes, the difference in labor rates and deductibleThe customer has Service Contract coverage through October 5, 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 Value Limited Service ContractWhen 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.Sincerely,Jason ** ***General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.To whom it may concern,? My problem is as simple as this, the warranty contract is set up to basically make me cover the cost of repair so it's done in a timely mannerI did not know how complicated this would be when I bought the vehicleI called SEVERAL mechanics and none of them we're willing to work with the CARS warranty at all.? The truck has been in the shop since 12/6/and is still not finished or close to itThe mechanic has to spend so much time contacting the warranty company and waiting on responses in between working on itWhich means the truck has to occupy a bay in the shop during the waiting time, costing the shop downtimeThe mechanic has put in so many hours for free that he is hesitant about continuing the repair.? I did not receive a full contract of how CARS process worksI received a paper showing everything that was covered, and that was itI am making payments on a vehicle that I am unable to drive, expeced to cover the cost of a rental ($per week through my insurance company) and I feel that as a customer of your business this is just absolutely unacceptableRegardless of how legal the CARS contract is, it is COMPLETELY unethical.? Thank you,? *** ***
Regards,
*** ***

Dear Ms***
Attached please find CARS' response.? Thank you.COMPLAINT ID #***BUICK LACROSSE VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***am in receipt of your letter dated August 3, 2016, enclosing the above-referenced consumer complaintwould like to respond in
the following manner: On March 25, 2016, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles)The customer’s Service Contract was accepted and approved by CARS on March 28, (the attached Service Contract).On July 5, at 4:p.m., a mechanical claim was called in by a repair facility on behalf of the customer's vehicle advising that the vehicle was experiencing engine issuesAt 5:p.m., we then went over our claim procedures with the repair facility advising the repair facility to obtain the customer's authorization to tear-down the vehicle to the point of failure to verify the cause of failure and extent of damage to her vehicleCARS also advised the repair facility that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Conditions of her Service ContractCARS further advised the repair facility to get back to us with the cause of failure and extent of damage to the vehicle.On July 6, at 11:a.m., CARS claims adjuster spoke with the customer and went over the claim procedures in detail with herThe customer stated that she might move the vehicle to another repair facilityWe advised the customer to have any new repair facility call CARS to open a new claim.This was the last communication between CARS and the customer and any repair facility regarding the engine claim.On August 1, at 3:p.m., the customer called our customer service department inquiring about a refundWe advised the customer that pursuant to the Terms and Conditions of the Service Contract, she was not entitled to a refund.On that same date at 3:p.m., the customer called stating that the teardown requirements were unreasonable and that she should receive a refundWe again explained to the customer that pursuant to the Terms and Conditions of her Service Contract, she was not eligible for a refund.Again on August 2, at 4:p.m., a CARS' Manager returned a telephone call to the customer and explained to her that pursuant to the Terms and Conditions of the Service Contract, she was not entitled to a refund.By 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." 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 were not requiring unnecessary tear-down and diagnosis; we were only trying to determine the cause of failure and extent of damage to the customer's vehicleThis is the claim procedure that must be followed by all CARS customers for all mechanical claims.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 was necessary for the repair facility to provide CARS with a proper diagnosis and extent of damage in order for CARS to move forward with the engine claim.The customer states in her complaint that she had the repairs performed on the vehicle without having the repairs authorized by CARS and is now requesting a refundUnder the Terms and Conditions of the customer's Service Contract it states at Paragraphs 1(c): "COMPONENTS AND EXPENSES NOT COVERED: Any repair done without prior authorization from CARS." Also at Paragraph 3(e): "SERVICE CONTRACT CLAIM PROCEDURES: The repair facility MUST provide CARS with an estimate and obtain an authorization number BEFORE any repairs have begun."Furthermore, the customer states in her complaint that she is requesting a refund of $1,295.00; however, the customer’s Service Contract states that the customer paid $1,for the Service ContractThis is not the amount that CARS received for the cost of the customer’s Service ContractDealers have the right to mark up the cost of service contractsThe selling dealer that sold the customer the Service Contract did mark up and make a profit on the cost of the same.Additionally, at Paragraph 5(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."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 she purchased the above-referenced vehicle in Tennessee stating that she had read, understood and agreed to the terms of the Service ContractCARS is not directed by any state statute in Tennessee 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 refund.? The customer has Service Contract coverage through March 28, If the customer experiences mechanical issues in the future, she must follow all the claim procedures which may include teardown and diagnostics to determine if the component failure is covered under her 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

PROTECTION PLUSOctober 11,2016VIA: EMAIL THROUGH Revdex.com WEBSITEPatricia ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***TOYOTA TUNDRA VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated, October 6, 2016, enclosing the customer's additional concernsI would like to respond in the following manner:By the customer's signature on his Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinThe Service Contract states under Terms and Conditions at Paragraph (1); ""COMPONENTS AND EXPENSES NOT COVERED: Damage from flood, fire and/or accident, regardless of the cause." Here, the repair facility chosen by the customer to repair his vehicle advised CARS on September 21, that the customer's vehicle had been in an accident which caused the bending of parts on the right and left side of his vehicle.Furthermore, the customer states in his complaint that he is requesting a refund of $1,495.00; however, this is not the amount that CARS received for the cost of the customer's Service ContractDealers have the right to mark up the cost of service contractsThe selling dealer that sold the customer the Service Contract did mark up and make a profit on the cost of the Service Contract.The customer's Service Contract states at Paragraph 5(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."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 stating that he had read, understood and agreed to the terms of the Service ContractCARS is rml directed by any state statute in the state where the customer's vehicle was purchased to refund any monies to the customer for the cancellation of his Service ContractTherefore, pursuant to his Service Contract the customer is not entitled to a refund.The Service Contract also states at 4(a): “SERVICE CONTRACT PROVISIONS: The Service Contract is transferable, by the original purchaser of the contract to the subsequent owner of the vehicle provided CARS receives the transfer fee of $prior to the sale of the vehicleCARS will not transfer the contract to another vehicle or to a businessThe transferred Service Contract? will remain in effect for the remainder of the original period." Here, the customer’s Service Contract is not eligible for a transfer since the customer has traded the above-referenced vehicle.After a management review of the customer's additional concerns, CARS stands by its original decision and is unable to refund any monies to the customer for his Service Contract.If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,Jason ** ***l General CounselJPM/jmmAttachment?

May 25, 2017VIA: Revdex.com WEBSITE*** *** Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID# ***PONTIAC GVIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated May 22, 2017, enclosing the
above-referenced consumer complaint and respond as follows:According to our records, the customers purchased the above-referenced vehicle on April 20, On that same date the customers also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was received with payment and approved by CARS on May 2, (See attached “Service Contract")Since the inception of the customers' Service Contract, three (3) mechanical claims were opened on behalf of the customers' vehicle as follows:First Claim: On June 10, at 2:p.m., a repair facility contacted CARS advising that the customers' vehicle was experiencing front strut, mount brackets, bearings and tie rod issuesDuring that initial telephone call, CARS advised the repair facility that the components requiring repair were non-covered components under the customers' Service Contract; therefore, CARS would not be able to assist with the repairsThe claim was then closed by CARS.On that same date at 4:p.mthe customer contacted CARS inquiring about the claimCARS advised that customer that the components requiring repair were noncovered components pursuant to the Terms and Conditions of their Service Contract; therefore, CARS would not be able to assist with the repairs.Second Claim: On April 28, at 10:a.m., a repair facility contacted CARS advising that the customers' vehicle was experiencing right front lower control arm/ball joint issues.On April 28, at 10:a.m., the repair facility advised CARS they found the right front lower ball joint had excessive play and needed replacedThe repair facility then stated there were no other issues with the customers' vehicle.During that same telephone call, CARS went over the amount we could authorize for the claim as follows: We would supply a control arm with ball joint for $ProDemand labor guide stated that the repair should take hours to completeThe customers' Service Contract pays up to $per hour for labor; therefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the authorized claim after the deductible was applied was $CARS further explained to the repair facility that the customers had two (2) choices for assistance with the approved claim: CARS could either supply the part as stated above or the customers could take the cash allowance totaling $to be used towards the specifically-authorized repairIf it was the customers' decision for CARS to ship our supplied part, CARS would be unable to assist with any labor due to the $deductibleCARS then advised the repair facility to obtain the customers' decision on how to proceed with the claim.On April 28, at 2:p.m., CARS received a telephone call from the customer requesting cancellation and refund of the Service ContractDuring that telephone call, CARS advised the customer they could cancel the Service Contract coverage; however, pursuant to the Cancellation Provisions of the Service Contract, the customers would not be entitled to any refund, since the request was past twenty (20) days of Service Contract acceptance and the vehicle was not declared a total loss or repossessed by the lienholderCARS advised the customer that the vehicle had Service Contract coverage through May 2, The customer then stated that they would keep the Service Contract coverage.On May 3, and May 5, 2017, CARS attempted to reach the repair facility regarding the customers' decision, so that CARS could move forward with the claimOn both dates, CARS left voicemail messages for the repair facility to call CARS back.This was the last communication that CARS had with the repair facility or the customers regarding the April 28, claim.Third Claim: On May 18, at 1:p.m., the same repair facility from the April 28, claim, contacted CARS advising that the customers' vehicle was experiencing the same right front lower control arm/ball joint issues, along with rear trailing arms, right front stabilizer link, left axle seal, transmission cooler lines and front brakes issues.On that same date at 1:p.m., the repair facility stated that they found the power steering control module, tie rod ends, front right lower control arm/ball joint, rear trailing arms, right from stabilizer link and transmission cooler lines were in need of replacementThe repair facility also stated that the vehicle needed an alignment.During that same telephone call, CARS advised the repair facility that the power steering control module, tie rod ends, rear trailing arms, right front stabilizer link, transmission cooler lines and the alignment were non-covered components under the customers' Service ContractHowever, CARS would be able to assist with repair of the front right lower control arm/ball joint repair as follows: We would supply a control arm with ball joint for $ProDemand labor guide stated that the repair should take hours to completeThe customers' Service Contract pays up to $per hour for labor; therefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the authorized claim after the deductible was applied was? $CARS further explained to the repair facility that the customers had two (2) choices for assistance with the approved claim: CARS could either supply the part as stated above or the customers could take the cash allowance totaling $to be used towards the specifically-authorized repairIf it was the customers' decision for CARS to ship our supplied part, CARS would be unable to assist with any labor due to the $deductibleCARS then advised the repair facility to obtain the customers' decision on how to proceed with the claim.During that telephone call, the repair facility chosen by the customers' to repair the vehicle expressed their displeasure with CARS' claim allowance and ended the callCARS then attempted to reach the supervisor at the repair facility; however, since he was unavailable, CARS left a voicemail message advising him of the amount CARS could offer for the claim and to contact CARS with the customers' decision, so we could move forward with the claim.On May 19, 2017, CARS received an email cancellation submission from the customer requesting cancellation of her Service Contract coverage and requesting a refund.On May 19, 2017, CARS responded to customer via email advising that CARS could assist with the cancellation of the Service Contract; however, CARS would be unable to provide a refund, since the request was twenty (20) days after Service Contract acceptance and the vehicle was not declared a total loss or repossessed by the lienholder, pursuant to the Cancellation Provisions of the customers' Service Contract.By the customers' signatures on the customers' Value Plus Service Contract, under the Acceptance to Terms, the customers acknowledged that they read, understood and agreed to the Terms and Conditions contained thereinThe customers' Service Contract states Under Covered Components: "COVERAGE LIMITED TO ABOVE COMPONENTS." And under Terms and Conditions at Paragraph (a): “COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless of failure."CARS was unable to assist with the June 10, claim because the components requiring repair were not listed for coverage pursuant to the Terms and Conditions of the customers' Service ContractIn addition during the processing of the April 28, and May 18, claims, CARS was willing to assist with the control arm/ball joint repairAll the other components requiring repair were not listed for coverage pursuant to the Terms and Conditions of the customers' Service ContractTherefore, the cost of those repairs would be the responsibility of the customers.The customers' Service Contract is to be utilized to assist with the repair of their vehicle and does not provide “all inclusive" coverageTherefore, pursuant to the customers' 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 customers' what is specifically covered and their financial responsibility for the tear-down, diagnosis, non-covered components, filters, taxes, the difference in labor rates and deductible.Also, the customers' Service Contract states at Paragraph (a] & (b): "CANCELLATION PROVISIONS: You have the right to cancel Your 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 paidThis Service Contract will not be reinstated after a cancellation is requestedAfter 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."The customers are requesting a refund of $1,for the cost for the amount they paid for their Service ContractPlease note that CARS Service Contracts are sold wholesale through dealer; therefore, what the customers paid for the cost of their Service Contract is not the amount that CARS received for the cost of the sameIn addition, as stated above, CARS advised the customers on two (2) occasions that they could cancel their Service Contract at any time; however, pursuant to the Cancellation Provisions of their Service Contract, they would not be eligible for any refund, since the request for cancellation exceeded the twenty (20) days after Service Contract acceptance and the vehicle was not declared a total loss or repossessed by the lienholder.If the customers' would like to continue with their Service Contract coverage and the repairs to the vehicle have not yet been performed, please have the customers' repair facility contact CARS, so that we may provide an authorization number for the claim for payment by CARS in the amount of $70.98.In addition, the customers have Service Contract Coverage through May 2, If their vehicle incurs future mechanical issues, CARS will process the claim to determine if the failed component is coveredIf covered, CARS will authorize and pay the claim pursuant to the Terms and Conditions of their Value Plus Service Contract.When a claim is presented, CARS promptly investigates all circumstances surrounding the claimCARS honors every contract that we sell and we stand behind our product 100% to ultimately provide quality service at an affordable price to offset the cost of a covered repair.If the customers have any further questions regarding this matter, please contact my office to efficiently resolve any outstanding concerns they may have.Sincerely,Jason *M***General Counsel?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.I appreciate your responses bar and data -I have however called the shop and the dealer and they are saying the exact opposite of what you have statedAs if April 19th they have stated that they had told you the engine was a turbo engine and you did approved that engine.They have stated that you have sent them an engine and they had to send it back because you sent an engine that would not work with my car.They have stated they are still waiting to receive contact and or a new motor to install.I demand some results instead of he said she said documentation-I need a receipt of motor...proof of delivery-something?
? Regards,
*** ***

There has only been one claim done on the car and that was in July of The other two claims should not beI was only taking my vehicle in to be serviced and because that warranty is on file maybe they reached out, but no claims were made on my end whatsoever.? I did ask my daughter to take care of all of this because I recently just loss my wife so IF they would have any understanding of that they would have understood when my daughter called as well as wrote them and informed them of thisI was sitting with my daughter when she called in asking for the warranty to be canceled and the rep gave us such a hard time that my daughter in whom I gave permission to talk with the rep by verifying all information with the customer rep we were discussing the matter withasked for a supervisor wheich happened to be named TiffanyWe left her a message and there was no call backFinally my daughter went to the website to contact us and sent a frustrated complaint in and finally Tiffany called and they spoke back in August and Tiffany was SUPPOSED to send cancellation information and that never happenedMy daughter has continued writing and there has been no response and because of the rude custoemr service before she did not want to call again, but had no choice and so this is how we got to AlleyWell what do you know she's the rep from the first time and SHE WAS FIRED up about the emails, complaints and etc and my daughter referenced that Tiffany was supposed to follow up and hadn't and she went to bat for the woman and my daughter STOOD firm that no one had done their part.I guess after me threathening to contact the Revdex.com Tiffany calls and Alley sends the necessary documents by email FINALLY! This refund should be retroactive to July if they feel they should not have to pay anythingWe also made contact with the dealership where I bought the car outright and still to this day no one has RESPONDED!In my opinion does not matter who they were dealing with on my behalf; the customer service received was unacceptable and rude! The refund was not purchased when it should have been eitherGo back and listen to the calls an dthis will sum up the complaintI just want my refundIf they need anything please call my daughter and try and work this outI am dealing with a lot from loosing my wife after years (yes same spouse since I was years old) so there's a lot going on in my world!Be blessed!
Regards,
* * ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.? Cars protection has not returned my refund check nor has *** auto group return my refund checkI have contacted *** auto group questioning about my refund check and they have not returned any of my calls nor answered my concerns.Regards,
*** ***

VIA: SUBMITTED TO Revdex.com WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***MERCEDES EVIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated July 29, enclosing the
above-referenced consumer complaintI would like to respond in the following manner: On April 18, 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 April 22, 2014.On March 24, at 11:a.m., the customer advised CARS that the check engine light was displayed in her vehicleThe customer further advised that her vehicle would not accelerateCARS then reviewed our claims procedures, rental benefits and coverage under her Service Contract.First Claim: On March 24, at 1:p.m., CARS received a telephone call from a repair facility, advising that the customer's vehicle was experiencing transmission control module issuesCARS advised the repair facility that this was a non-covered component under the customer’s Service ContractThe claim was then closed.Second Claim: On April 21, at 3:p.m., CARS received a telephone call from a repair facility advising that her vehicle was experiencing transmission issuesCARS then reviewed our claim procedures with the repair facility.On April 21, at 4:p.m., the repair facility advised CARS that the customer's vehicle was towed to the repair facility on April 20, The repair facility further advised that the transmission was not shifting and the check engine light was displayedThe repair facility advised that they could not clear the displayed codesCARS questioned if it was an electronic issue and the repair facility advised that it was a torque converter or something in the transmission.On April 25, at 10:a.m., CARS reviewed the customer’s rental benefits with her.On April 29, at 12:p.mthe customer telephoned CARS to check on the status of the April 21, transmission claim made on behalf of the customer's vehicleCARS left a voice message for the? customer advising that we were still waiting for the repair facility to get back to us with a cause of failure for her vehicle.On May 13, at 2:p.m., the customer telephoned CARS to check on the status of the April 21, transmission claim made on behalf of the customer's vehicleCARS reviewed the claim with the customer.On May 26, at 1:p.m., thirty-five days after the claim was opened on behalf of the customer's vehicle, the repair facility advised CARS that they removed the transmission pan and found ground metal in the panThe repair facility advised CARS that they would not know what the cause of failure was until the transmission was removed and torn downWe again advised the repair facility to obtain the customer's permission to tear-down her vehicle to the point of component failure and contact CARS with their findingsWe advised that pursuant to the Terms and Conditions of the customer’s Service Contract, she was responsible for all tear-down/diagnostic charges.On June 2, at 2:p.m., CARS left a voice message for the customer advising her that that we were still waiting for the repair facility to get back to us with a cause of failure for her vehicle.On June 3, at 3:p.m., forty-three days after the claim was opened on behalf of the customer’s vehicle, the repair facility advised that the piston failed causing the transmission to lose pressure and the clutches to burnThe repair facility advised that they would fax an estimate for the repair of the customer's vehicle.On June 7, at 2:p.m., after reviewing the repair facility's estimate, CARS then went over the amount we could authorize for the claim as follows: We could supply the transmission for $CARS could assist with the fluids needed for the repair of the customer's vehicle in the amount of $Mitchell's OnDemand labor guide stated the total repair should take hours, including the time to change the valve body, 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 $1,640.00, and we could supply the parts as stated above and pay $towards labor or pay $1,towards the repair of the customer's choiceThe repair facility advised CARS that they would supply the transmission; therefore, CARS would pay $1,toward the repair of the customer’s vehicleOn June 7, at 3:p.m., CARS provided an authorization number to begin the repair of the customer's vehicleOn June 22, at 11:a.m., CARS advised the customer to contact the repair facility regarding the status of her claimCARS advised that we had supplied the repair facility with an authorization number and instructions on paymentCARS further advised that we have not received a final invoice for payment from the repair facility.On July 19, at 1:p.m., forty-two days after CARS gave an authorization number to the repair facility to begin to repair the customer’s vehicle, the repair facility advised CARS that they were having issues with their supplied transmissionThe repair facility advised CARS that they had replaced three (3) transmissions in the customer's vehicleThe repair facility advised that the pump had failed on the third transmissionThe repair facility advised that they replaced the pump but a code for solenoid #displayedThe repair facility advised that they then replaced the solenoid #and the same code displayedThe repair facility then replaced all the solenoids and the valve body and continued to get the same codeThe repair facility further advised that the vehicle’s computer was the problemCARS computer is a non-covered component under the customer's Service ContractCARS further advised that we covered lubricated parts contained within the transmission.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 Contract, the customer’s Service Contract states under the Terms and Conditions at (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 part we used the cost of the part to either be shipped to the repair facility and was used 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 vehicleHere, the repair facility advised us to pay the cash allowance to them.Your Service Contract states under Covered Components: "Rental Benefits The ServiceContract Holder will be reimbursed $for each eight hours of Mitchell OnDemand labor guide time to repair or replace the covered component with a maximum benefit of $per claim, if proof of rental is providedDown time, regardless of reason, is not included." CARS authorized hours of labor time for the April 21, transmission claim made on behalf of the customer's vehicleN Pursuant to the Terms and Conditions of the customer's Service Contract, on July 5, 2016, the customer was paid for $via check noCARS cannot assist with any additional vehicle rental costs since Mitchell OnDemand labor guide states the repair should take hours.CARS would like to point out here that CARS had not supplied any transmissions for the repair of the customer's vehicleThe repair facility advised CARS that they would take the cash allowance to use towards the repair of the customer's choice; therefore all three (3) transmissions have been supplied by the repair facility.The customer’s Service Contract states at (g): "SERVICE CONTRACT CLAIM PROCEDURES: If it is determined that a covered component has failed and an estimate for the repairs is approved by C.A.R.S., an authorization number will be issued for the repairThe authorization number is valid for days from the dated issuedAfter days the authorization number and claim are voidNo invoices will be processed without a valid authorization number, your signature, repair facility's warranty on repairs (if applicable) and repair facility’s identifying information."Here, the customer states in her letter that CARS has paid $towards the cost of the transmissionAs stated above CARS has authorized $1,for the repair facilities replacement transmission and laborAs of today's date, July 29, 2016, CARS has not paid any monies to the repair facilityOn June 22, 2016, CARS went over our instructions for payment with the repair facilityCARS has not received an invoice from the repair facility for paymentUpon receipt of a properly submitted invoice, CARS will pay the authorized amount to the repair facility.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 you what is specifically covered and your financial responsibility for the tear down, diagnosis charges, filters, taxes, the difference in labor rates and deductible.? The customer's Service Contract expired on April 21, The customer no longer has Service Contract coverage under any of CARS' service contractNo new claim may be opened on behalf of the customer's vehicle.For all the reasons stated above, CARS is unable to provide any further assistance with the April 21, mechanical claim made on behalf of the customer's vehicleCARS is willing to pay the authorized amount to the repair facility for the repair of the customer's vehicle upon submission of a properly submitted invoice pursuant 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 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,? JPM/jmmEnclosure?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.I do not agree with the businesses stand point on this claimIn no way is this coverage or protection plan in any way a good systemIt will cost the consumer almost equal to what the warranty will pay if not moreFor example, as I was informed by CARS, "they only have to replace the (item found to be at fault) thus this will lead to further damagesIn a closed system such as a transmission replacing one at fault item will not efficintly resolve the problem, yet it will just prolong the actual issueResulting in failure of other stressed parts down the lineFor aproximately the same amount of money I was going to pay with assistance from CARS protection plus, I managed to find a place that will not only rebuild my transmission, they will use parts that are heavy duty, surpassing the OEM quality, upgrading the componentsAgain, not only being unsatisfied as a customer if the Revdex.com takes a moment and reads the customer complaints against said party they may be in favor of this claimAgain, I do not accept the response from CARS protection plusIt is dismissive and a blatant disregard for customer satisfactionBetween towing and the work done thus far it has finanially caused a burdenBecause as far as there towing package goes, ? again it is at the cost of the contract holder out of pocket with reimburament of minimal fundsTo conclude, I would like a full refund of contract cost or for CARS protection plus to pay for the alternative upgraded transmission I have being built to be put in at there mediocre low rate.? ?
Regards,
*** ***

May 4,2017VIA: EMAIL THROUGH Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID #***DODGE RAM 1500VIN (Last 8): ***OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated May 1, 2017, enclosing the
above-referenced consumer complaintI would like to respond in the following manner: On March 22, 2017, the customer and her husband purchased the above-referenced vehicleOn that same date, the customer and her husband also applied for a Value Plus Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on March 24, (the attached “Service Contract").On March 27, at 8:a.m., the customer advised CARS that on March 24, 2017, her vehicle began to experience fuel leak detection pump issues due to moisture in the gas tankCARS went over her Service Contract coverage with her and advised that the fuel pump was listed for coverage under her Service Contract; however, the fuel leak detection pump was a non-covered component.On March 28, at 1:p.m., a repair facility advised CARS that the customer's vehicle was experiencing engine issuesCARS then reviewed our claims procedures.On March 28, at 2:p.m., the repair facility advised CARS that the check engine light was displayed and running roughThe repair facility further advised that the codes for the reactive solenoid and evaporative purge solenoid were displayedCARS advised that we would contact the repair facility after we spoke to the customer.On March 28, at 2:p.m., CARS again reviewed our claim procedures with the repair facility.On March 28, at 2:p.m., the customer's husband advised CARS that the vehicle began to run poorly the weekend after the vehicle was purchasedThe customer's husband advised that the check engine light was displayed on March 26, 2016.On April 3, at 4:p.m., the repair facility advised CARS that the #displacement cylinder solenoid had failedCARS advised that we would review the claim and contact the repair facility.On April 4, at 9:a.m., CARS advised the repair facility that #displacement cylinder solenoid was not covered under the customer's Service Contract; therefore, the repair of the displacement cylinder and any damaged caused by the displacement cylinder were the customer's responsibility to repair.On April 4, at 3:p.m., the repair facility advised CARS that the engine had two (2) dead cylindersThe repair facility advised that the original engine had been replaced with a used engineCARS then reviewed our claim procedures.On April 5, at 11:a.m., the repair facility advised CARS that the engine in the customer's vehicle had been replaced and the cross member had to be moved to drain the oil.On April 5, at 11:a.m., the customer advised CARS that the repair facility told her that the engine was the wrong engine for her vehicleCARS advised that we would contact the repair facility for clarification.On April 6, at 2:p.m., the repair facility advised CARS that three (3) cylinders were low on compressionCARS then advised the repair facility to obtain the customer's authorization to tear-down her vehicle to the point of failure to verify the cause of failure and extent of damage to her vehicleThe repair facility advised that the engine was wrong but could not explain what was wrong with the engineCARS further advised that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Conditions of her Service ContractCARS was advised that the owner of the repair facility would contact us.On April 6, at 3:p.m., CARS advised the customer that the repair facility would need to find out if the engine was the proper engine for her vehicle by running numbers through Chrysler or checking for additional missing componentsCARS advised that it was the responsibility of the repair facility to find the cause of failure to the vehicle.On April 7, at 4:p.m., the customer advised CARS that the engine in the vehicle was not the correct engine for her vehicleThe customer advised that the engine was for a Dodge Durango, not a or Dodge Ram The customer provided the engine number to CARSThe customer requested a return telephone call from CARS with our decision on assistance with the repair of her vehicle.On April 10, at 10:a.m., the repair facility advised CARS the engine in the customer's vehicle was not the correct engineThe customer advised that the engine was an engine for a Dodge Durango, not a or Dodge Ram The repair facility advised that the transmission would not properly bolt.On April 10, at 11:a.m., CARS advised the customer that the March 28, engine claim was denied due to an improper previous repair and her Service Contract was cancelled by CARSCARS further advised that we would issue a refund of the full amount CARS received for the Service Contract.On April 10, at 11:a.m., CARS advised the repair facility that the March 28, engine claim was denied due to an improper previous repair and her Service Contract was cancelled by CARSCARS further advised that we would issue a refund of the full amount CARS received for the Service Contract.On April 26, 2017, after receiving an executed Notice of Service Contract Cancellation and Release Form, CARS mailed check noto the customer representing the monies received by CARS from the selling dealer for the customer's Service Contract.By the customer's signature on her Value Plus Service Contract, the customer acknowledged that she read, understood and agreed to the Terms and Conditions contained thereinThe customer’s Service Contract states at Paragraph (i): “COMPONENTS AND EXPENSES NOTCOVERED: Damage resulting from any previous improper repair." Based on the findings of the repair facility provided to CARS on April 10, 2017, CARS determined that the failures to the customer's vehicle were caused by an incompatible engine being placed in the customer's vehicle during a previous improper repair.The customer's Service Contract also states at Paragraph 1(d) and (g): "PROVISIONS OF THE SERVICE CONTRACT: CARS does not provide any coverage for vehicle modified or altered AT ANY TIME beyond originals manufacturer's specifications with or without Your knowledge, including but not limited to following modifications: WHEEL/TIRES (not to manufacturer's specifications); lift/lowering kits; emission/exhaust; and engine." and "If at any time, it is determined Your vehicle is altered or modified from the original manufacturer's specifications, CARS would consider this a material misrepresentationUpon discovery by CARS, CARS will cancel Your Service Contract and issue a monthly prorated refund of the amount received by CARS, less claims paid." On April 10, 2017, the repair facility advised CARS that the engine in the customer's vehicle was for a Dodge Durango; therefore, since the customer's vehicle is a Dodge Ram 1500, an alteration/modification was done to her vehicle as a result of previous improper repairCARS was correct in not assisting with the repair of the customer's vehicle and cancelling her Service Contract with a full refund of the amount CARS received for her Service Contract.Accordingly, CARS has fulfilled all of its obligations under the Terms and Conditions of the customer's Service Contract; therefore, we stand behind our decision and are unable to assist with the March 28, engine claim for the reasons stated above.The customer's Service Contract coverage is now cancelled and no additional claims can be opened on behalf of her vehicle under any of CARS' Service Contracts.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***Attachment

January 25, 2018VIA:? Revdex.com WEBSITE Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA? 15220? RE: ? ? ? ? HONDA PILOT
TOURING? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? VIN (Last 8):? ***? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? OUR FILE NO.:? ***? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Revdex.com COMPLAINT NO.:? ***? Dear Ms***:? I am in receipt of your letter dated January 18, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle.? I would like to respond as follows:? Our records indicate that on March 9, 2017, the customer purchased the above-referenced vehicle.? On that same day, the customer also applied for a Value Plus Service Contract (Months/Unlimited Miles).? CARS received with payment and approved the customer’s Value Plus Service Contract on March 13, 2017.? (See attached Service Contract).? On August 3, at 10:a.m., CARS reviewed the customer’s Service Contract coverage and effective date with her.? On August 10, at 10:a.m., CARS advised the customer that struts and bushings are non-covered components under her Service Contract.? On September 29, at 11:a.m., CARS advised the customer that the wheel speed sensor is a covered component under her Service Contract.? On October 3, at 1:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing ABS wheel speed sensor issues.? CARS then reviewed our claim procedures with the repair facility.? The repair facility then advised CARS that the customer’s vehicle was not at the repair facility? On October 4, at 1:p.m., CARS reviewed the customer’s Service Contract coverage and our claim procedures with her.? CARS further advised that the customer’s vehicle must be at the repair facility in order for a claim to be opened.? On October 10, at 2:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing left front wheel speed sensor issues.? CARS then went over our claim procedures with the repair facility.? On October 10, at 3:p.m., CARS advised the repair facility that the total cost of the part (wheel speed sensor) was $and labor (hours) was $were less than the $deductible; therefore, we were unable to assist with the repair of the customer’s vehicleHowever, CARS did offer to ship the wheel speed sensor needed for the repair of the customer’s vehicle.? The repair facility advised CARS that if the customer wanted to have the wheel speed sensor shipped to the repair facility, the repair facility would contact CARS.? On October 10, at 3:p.m., CARS reviewed the customer’s Service Contract coverage with her and advised that we could ship the wheel speed sensor to the repair facility at no cost to herThe customer advised that she would like to speak to the cancellations department.? On October 10, at 4:p.m., the customer advised CARS that she wanted to cancel her Service Contract.? CARS advised the customer that since twenty (20) days from the approval date of her Service Contract had passed, she was not eligible for a refund of her Service Contract.? 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 the Service ContractThe customer’s Service Contract states under Terms and Conditions at (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.”? The customer is responsible for a $deductible for each claim authorized by CARSHere, as stated above, CARS could assist with the replacement of the wheel speed sensor in the amount of $and labor in the amount of $The total value of the customer’s claim was $67.63; however, the wheel speed sensor claim was also subject to a $deductible.? We explained to the repair facility that the total value of the authorized claim was less than the deductible; therefore, we were unable to assist with the repair of the customer’s vehicleHere, CARS advised both the customer and the repair facility that we could ship the wheel speed sensor at no cost to the customer; however, CARS did not hear back from the repair facility or the customer advising us to ship the supplied part? The 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 new aftermarket replacement part we used the cost of the part to either be shipped to the repair facility and to calculate the total amount of the claimHere, CARS was able to find a new aftermarket wheel speed sensor from a supplier for the repair of the customer’s vehicle in the amount of $32.63.? The customer’s Service Contract is to be utilized to assist with the repair of her vehicle and does not provide “all inclusive” coverage.? Therefore, pursuant to the customer’s Service Contract, CARS is not required to pay the full cost of the repairs.? The Service Contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverage.? Various 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 labor time and deductible.? ? In her consumer complaint the customer states that she would like a refund of her Service ContractThe customer’s Service Contract states 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, twenty (20) days have passed since the customer’s Service Contract was approved; therefore, the customer is not eligible for a refund? ? The customer’s vehicle has Service Contract coverage through March 13, 2019.? 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/jmm? ? ? ? ?

*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: Complaint No***JEEP LIBERTY VIN (Last 8): *** OUR FILE NO.: ***Dear Ms* ***I am in receipt of your letter dated October 13, 2016, enclosing the above-referenced consumer complaintI
would like to respond in the following manner: On December 26, 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 December 30, (see attached Service Contract).Two (2) claims have been opened on behalf of the customer's vehicle since the inception of her Service Contract.First Claim: On March 19, at 1:p.m., a repair facility advised CARS that the customer's vehicle was experiencing front differential and axle issuesCARS then reviewed our claim procedures with the repair facility.On March 19, at 2:p.m., the repair facility advised that there was a noise in the front differential and the rear axle moved up and downCARS again reviewed our claim procedures.CARS advised the repair facility to obtain the customer's authorization to tear-down her vehicle to the point of failure to verify 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 Contract.On March 20, at 10:a.m., the repair facility advised CARS that the prop shaft and rear right front axle were wornThe repair facility advised that there were no problems with the rear differentialThe repair facility then faxed an estimate for the repair of the customer's vehicle to CARS.On March 23, at 9:a.m., CARS went over the amount we could authorize for the repair of the customer's vehicle as follows: We could supply the front right prop for $and rear front axle for $ProDemand 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 $342.00, and we could supply the parts as stated above and pay $2.00customer’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 $342.00, and we could supply the parts as stated above and pay $towards labor or pay $towards the repair of the customer's choiceThe repair facility advised that they would inform us of the customer's decision.On March 24, at 2:p.m., the repair facility advised CARS that the customer would take the cash allowance towards the repair of her choiceOn March 24, at 2:p.m., CARS provided an authorization for the repair facility to begin work on the customer's vehicle.Pursuant to the Terms and Conditions of the customer's Service Contract, CARS paid the repair facility $via credit card towards the repair of the customer's vehicleThe claim was then closed.Second Claim: On October 13, at 9:a.m., a repair facility advised CARS that thecustomer's vehicle was experiencing spark plug, #ignition coil and catalytic converter issuesCARS then reviewed our claim procedures with the repair facility.On October 13, at 10:a.m., CARS advised the repair facility that spark plugs and the catalytic converter were non-covered components under the customer's Service ContractCARS then went over the #ignition coil portion of the claim with the repair facilityWe could supply the #ignition for $ProDemand 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 the total value of claim ($48.44) was less than the customer’s deductible of $100.00; therefore, CARS was unable to assist with the repair of the customer's vehicleThe claim was then closed.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 is the customer's decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleHere, during the processing of the March 19, claim, the customer chose to take the cash allowance towards the repair of her vehicle.On October 13, at 1:p.m., the customer advised CARS that she would like to cancel her Service Contract coverageCARS advised that her Service Contract had been active for twenty-two (22) months and CARS paid a claim for $324.00; therefore there was no refund available for early termination.It is stated in the Service Contract: "COVERED COMPONENTS: COVERAGE LIMITED TO ABOVECOMPONENTS." 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 spark plugs and catalytic converter 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 her financial responsibility for the tear down, diagnosis charges, filters, taxes, the difference in labor rates and deductible.In her consumer complaint the customer states that she would like a refund of her 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, the customer cancelled her Service Contract on October 13, which is greater than twenty (20) days from the date of Service Contract approval date of December 30, 2015.The Service Contract states: ADDITIONAL STATE DISCLOSURES: THIS IS NOT AN INSURANCE POLICY ***: If a claim has been made under the contract during the first business day (free look period) and the contract is returned, the provider shall refund to the contract holder the full purchase price less any claims paidThe applicable free look time period on the Service Contract shall pertain only to the original Service Contract purchaser.After the free look period, a Service Contract holder may cancel the contract at any time and the provider shall refund to the contract holder 100% of the unearned pro rata provider fee, less any claims madeA reasonable administrative fee may be surcharged by the provider in an amount not to exceed $50.00.Here, the customer has had Service Contract coverage for twenty-two months and CARS paid a claim in the amount of $342.00; therefore, she is not entitled to any refund of her Service Contract.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 her Service Contract (i.e$2,195.00) is not what CARS received for the cost of her Service ContractThe customer has Service Contract coverage through December 30, 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 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 question, please contact my office.Sincerely,?

May 18, 2016VIA: Submitted to Revdex.com website*** ***RE: COMPLAINT ID #***CHEVY SILVERADO VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:am in receipt of your letter dated May 17, 2016, 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 Power Train Service Contract (Months/4,Miles) and the same was received with payment and approved by CARS on February 5, The customer’s Service Contract expired on May 8, 2016; however, CARS will pay for the transmission repair pursuant to the Terms and Conditions of the customer's Service Contract since a transmission claim was opened prior to the expiration date of his Service Contract.First Claim: On March 9, at 2:p.m., a repair facility advised CARS that the customer's vehicle was experiencing purge valve issuesCARS advised the repair facility that the purge valve was a non-covered component under the customer's Service Contract.Second Claim: On April 25, at 1:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing transmission issuesCARS then reviewed our claim procedures with the repair facilityCARS further advised the repair facility to obtain the customer's authorization to perform a limited teardown on the customer's vehicle to determine the cause of failure and extent of damage to the customer's vehicleCARS advised that if the limited teardown does not provide the cause of failure then a full teardown would be necessaryCARS further advised that the customer is responsible for all diagnostic and tear-down costs for his vehicle.On April 27, at 10:a.m., the repair facility advised CARS that they had found ground metal and clutch material in the transmission panCARS then went over the amount we could authorize with the repair facility as follows: We could supply the transmission for $Demand 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 $1,068.00, and we could supply the parts as stated above and pay $towards labor or pay $1,towards the repair of the customer’s choiceWe then asked the repair facility to get back us with the customer's decision.On April 27, at 10:a.m., the customer advised CARS that he was unhappy with the amount CARS was authorizing for the repair of his vehicleCARS reviewed the transmission claim with the customerCARS further advised that pursuant to his Service Contract, CARS could only assist with $per hour for labor and the repair facility chosen by the customer charged $per hour for laborThe customer advised that he would telephone the repair facility with his decision.On April 29, at 9:a.m., the repair facility advised that the customer would like CARS to ship the transmission to the repair facilityLater that same day, CARS provided an authorization number to the repair facility to begin the repair to the customer's vehicle.On May 10, at 3:p.m., the repair facility advised CARS that the supplied transmission had no reverseCARS advised that we would notify our supplier of the problem.On May 11, at 1:p.m., CARS advised the customer that we were checking on the status of the transmissionCARS also reviewed our rental benefits with the customer and advised that he did not qualify for rental benefits pursuant to the Terms and Conditions of his Service Contract.On May 16, at 9:p.m., our supplier advised CARS that the supplied transmission would arrive on May 17, 2016.On May 16, at 2:p.m., CARS advised the customer that the supplied transmission should arrive on May 17, CARS advised the customer that pursuant to his Service Contract, CARS did not assist with any time lost or inconvenience caused by the loss of his vehicle.The supplied transmission was delivered to the repair facility on May 16, at 2:p.m.By 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 componentHere, the customer chose to have CARS supply the transmission to the repair facility for the repair of his vehicle.The customer's Service Contract states at Paragraph 2(m): “PROVISIONS OF THE SERVICE CONTRACT: C.A.R.Swill not be responsible for any time lost, any inconvenience caused by the loss of use of Your vehicle, the quality of the repair by the repair facility or for any other incidental or consequential damages You may have.” CARS has no control over our suppliers shipping dates or errors in shipping; however we do have an obligation to the customer to ensure that we make every effort to ensure that the customer’s vehicle is repaired as quickly as possibleAs stated above are supplied parts are to be tested by our suppliers; however, the supplied transmission was not working properly when installed into customer’s vehicleHere, in a goodwill gesture, CARS is waiving the $deductible for the transmission claim.It is stated at Paragraph 2(C): 'PROVISIONS OF THE SERVICE CONTRACT: The Service Contract does NOT go into effect until: fl) this application is_received by CARS Protection Plus, Inc("CARS”), (2) with proper payment, and fapproved bv 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 vehicleThe customer’s service contract expired on May 8, 2016; therefore, since the claim was opened prior to the expiration of the customer's Service Contract, CARS will assist with the transmission claim pursuant to the Terms and Conditions of the customer's Service ContractHowever, the supplied transmission will not have coverage beyond once the transmission claim is closed.The rental benefits of the customer’s service contract states: "The Service Contract Holder will be reimbursed $for each eight hours of ProDemand labor guide time to repair or replace the covered component with a maximum benefit of $per claim, if proof of rental is provided with an authorized claimDown time, regardless of reason, is not included.” Here, as stated above the time to repair the covered components (transmission) was hours based on ProDemand Labor Guide; which would not have entitled the customer any reimbursement towards rental expensesHowever, in a goodwill gesture, CARS will issue the customer a check for $which represents additional eight (8) days that it took for a second supplied transmission to arrive at the repair facility.The customer Service Contract states: "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 offailure." Here, the customer refers to a claim opened in April; however, the only claim opened prior to the April 25, claim was on March 9, for purge valve issuesThe purge valve is not listed for coverage under the customer's Service Contract.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 deductibleCARS apologizes for any inconvenience that the delay in the arrival of second supplied transmission has caused the customerAlthough CARS had no control over the shipping time of the supplied parts or the failure of the first supplied transmission, in a goodwill gesture, CARS is paying the customer for eight (8) days of rental benefits and waiving the $deductible.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

VIA: EMAIL THROUGH Revdex.com WEBSITE*** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID #***MITSUBISHI ECLIPSE VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated, October 13, 2016, enclosing the consumer's additional complaint.On September 23, at 1:p.m., in a recorded telephone call the customer advised CARS that during the test drive his vehicle experienced issues shifting into gearThe customer advised that he thought the shifting issue was a fluke; however, the shifting issue started again.By the customer's signature on his service contract application, he acknowledged that he read, understood and agreed to its Terms and ConditionsDirectly above the customer’s signature, it states: “This Service Contract does NOT go Into effect until: (1) this service application is received by CARS Protection Plus ("CARS"), (2) with proper payment, and (3) approved by CARS, which may be different than my date of vehicle purchase." Additionally, under the Terms and Conditions at Paragraph 1(b): "COMPONENTS AND EXPENSES NOT COVERED: Component failures occurring before CARS Protection Plus, Inc("CARS") approves this Service Contract application are NOT coveredCARS does NOT warrant the condition of the vehicle at the time of purchase."As stated previously, the customer advised CARS in a recorded telephone call on September 23, 2016, that his vehicle experienced shifting issues during the test drive of his vehicle which was prior to CARS acceptance of his Service Contract on July 21, 2016.When processing claims, 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 ContractCARS relies on the information provided to us when we originally speak to the customer because we have found this to be the most reliable informationAs stated in the above paragraphs, the customer's vehicle is not eligible for assistance with the September 23, transmission/clutch claim because the customer? informed us that the transmission/clutch issues were present prior to CARS' acceptance with payment of the customer's Service Contract.If you have any further questions regarding this matter, please do not hesitate to contact my office.Sincerely,Jason P*** General Counsel

October 6, 2015VIA: Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINTID# ***CHRYSLER PACIFICAVIN (Last 8): ***OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated October 5, 2015, enclosing the
above-referenced consumer complaint and respond as follows: On June 8, 2015, the customer purchased the abovereferenced vehicleOn that same date, the customer also applied for a CARS Power Train Service Contract (Months/7,Miles] and the same was accepted with payment by CARS on June 12, (the attached "Service Contract”).On September 22, 2015, CARS received the attached email, sent at 3:p.mfrom the customer advising us that the repair facility had tried to call us and was unable to reach CARSOn that same day, at 4:p.m., we responded to the customer via email and advised that we had no records of any telephone calls or voice messages from the repair facility starting from 11:a.mAt that point in the day, the repair facility finally' telephoned CARS to open a claim.On September 22, at 4:p.mthe repair facility advised CARS that the customer's vehicle was experiencing left wheel bearing and engine issuesWe then aavised the repair facility of our claim procedures.On September 22, 2015, at 4:p.m., we responded to the customer via email and advised that we had no records of any telephone calls or voice messages from the repair facility starting from 11:a.m.On September 22, at 5:p.m., the repair facility advised a CARS claim adjustor that there was a knocking noise coming from the lower engineThe claim adjustor attempted to go over the customer's Service Contract coverage; however, the representative from the repair facility became very upset about the labor amount CARS could assist with towards the repair of the customer's vehicleThe claim adjustor had to end the telephone call with the repair facility due to name calling and profanities.On September 23, at 9:a.m., the repair facility advised CARS that they did not want to work with the same CARS claim adjustor and asked to speak to a managerThe call was transferred to a claim manager.On September 23, at 1:p.m., the claims manager returned the repair facility's telephone callThe claims manager found the repair facility representative to be very combative and argumentativeThe repair facility refused to allow the claims manager to answer any questions or explain the Service Contract coverage that the customer agreed to for his vehicleThe claims manager told the repair facility that CARS would not be able to work with his repair facilityThe claims manager further advised the repair facility to have the customer move his vehicle to a new repair facility.On September 23, at 1:p.m., the customer gave permission for CARS to speak to his mother on his behalfCARS advised the customer's mother that CARS is no longer willing to work with the repair facility due to the telephone conversations between the repair facility and CARSCARS further advised that the customer would need to have his vehicle moved to a new facility for CARS to be able to assist with the repairs to his vehicleCARS then reviewed the customer’s Service Contract coverage.By the customer’s signature on his Power Train Service Contract, he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service ContractThe customer’s Service Contract states at Paragraph 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 damage and You are responsible for all charges.” We include tear-down to the point of component failure in our diagnostics to increase the probability that the vehicle will be repaired properly the first timeWe were not requiring unnecessary teardown and diagnosis; we were only trying to determine the cause of failure.The Service Contract also states at Paragraph (a):“SERVICECONTRACT CLAIM PROCEDURES: ...CARS reserves the right to have the repairs performed at a location other than the one You have selected." Here, both a claim manager and a claim adjustor attempted to review the customer's Service Contract coverage with the repair facility and where not permitted to by the repair facilityTherefore, CARS is not able to work with the repair facility chosen by the customer to repair his vehicle.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 her financial responsibility for the tear-down, diagnosis charges, filters, taxes, the difference in labor rates and deductibleCARS is willing to work with another repair facility pursuant to the Terms and Conditions of the customer's Service Contract in order to get the customer's vehicle repairedThe customer? would be responsible for any costs involved with moving his vehicle to a new repair facility and a new claim must be opened before any repairs are done to the customer's vehicle.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 ** M***General Counsel

Hi Revdex.com,I have had this issue resolvedCars protection plus mailed me my refundI am all set and would like to thank you all for the assistance.? *** ***?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI was contacted directly by Cars Protection Plus by a staff member named JanShe was very kind and apologized for the missed opportunitiesDealing with guests and customers day in and day out in my career, I knew that there could be a better resolution of the issues.? I really did not expect Cars Protection Plus to make the reciprocation that they didI thank them personally for reaching out and going above and beyond to resolved the dispute
Regards,
*** ***

May 5,2017VIA: EMAIL THROUGH Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID #***HONDA CRVVIN (Last 8): ***OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated April 28, 2017, enclosing the
above-referenced consumer complaint.CARS has spoken to the customer and considers this matter now 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 *M***General Counsel