Fox Concrete

July 5, 2017VIA: Revdex.com WEBSITE [redacted] Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID # [redacted] VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms [redacted] :I am in receipt of your letter dated June 28, 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 [redacted] General Counsel

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below The reply by counsel for Cars Protection Plus merely discloses one of several methods Cars Protection Plus uses to mislead customers about true value of the plans their company advertisesThey have attempted to justify advertising different terms to the general public by claiming they can use contracts with different ID numbers at the time of signingThis, they claim, absolves them from any discrepancy between the term customers see in public advertisements and the terms included in the contracts customers actually sign.Many consumers like myself purchased their plans at the dealership and at the time of vehicle purchaseIn this case, researching their service agreements ahead of time misled me about the terms of the contract I would be signing, misinformation that only benefits Cars Protection Plus and contributes to their profit marginsThey benefit from seeding misinformation about their business model, which is the substance of my claim against them:CARS PROTECTION PLUS INTENTIONALLY DECEIVES CONSUMERS ABOUT THE TRUE VALUE OF THEIR PLANS BY CONCEALING THE PROCESS BY WHICH THEY DETERMINE THE MONETARY VALUE OF COMPENSATING THEIR CUSTOMERS FOR THE COST OF PARTSSPECIFICALLY, THEY OPERATE AS A PARTS SUPPLIERS SO THEY CAN UNDERVALUE THE TRUE COST OF PARTS AT THE TIME OF REPAIRMY CARS PROTECTION PLUS VALUE PLUS PLAN REQUIRES ME TO HAVE MY VEHICLE REPAIRED AT A LICENSED MECHANIC (I CANNOT BE REIMBURSED FOR REPAIRS I PERFORM MYSELF), HOWEVER CARS PROTECTION PLUS WILL ONLY REIMBURSE ME FOR THE COST OF PARTS FOUND ON THE DISCOUNT, DIRECT-TO-CONSUMER PARTS MARKET, AND NOT THE REALISTIC COST FOR PARTS CONSUMERS PAY WHEN HAVING THEIR VEHICLE REPAIRED BY A LICENSED MECHANIC AS REQUIRED BY THEIR PLAN.Cars Protection Plus profits from misleading consumers through advertising, concealing the true value of their plansThis business practice of? undervaluing parts? yields a profitable? discrepancy to the tune of hundreds or thousands of dollars for a single repair at a licensed mechanicThis intentional deception is advertising, and illegal according to the laws of the United States of America.I call on the Revdex.com to hold Cars Protection Plus accountable for their deception Regards, [redacted]

January 29, ? VIA:? Revdex.com WEBSITE Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA? ? RE: ? ? ? ? JEEP GRAND CHEROKEE ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? VIN (Last 8):? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? OUR FILE NO.:? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Revdex.com COMPLAINT NO.:? [redacted] ? Dear Ms [redacted] : ? I am in receipt of your letter dated January 24, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle.? I would like to respond as follows:? ? CARS has moved forward with the mechanical claim made on behalf of the customer’s vehicle 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 [redacted] M [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? General Counsel ? [redacted] ? ? ? ?

January 29, VIA: Revdex.com WEBSITE Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA RE: JEEP GRAND CHEROKEE VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Revdex.com COMPLAINT NO.: [redacted] Dear Ms [redacted] : I am in receipt of your letter dated January 24, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle I would like to respond as follows: CARS has moved forward with the mechanical claim made on behalf of the customer’s vehicle 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 [redacted] M [redacted] General Counsel [redacted]

RE: COMPLAINT ID # [redacted] CHEVY IMPALA VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms***I am in receipt of your letter dated November 17, 2015, enclosing the above-referenced consumer complaint and respond as follows; According to our records the customer purchased the above referenced vehicle on July 8, 2015, On that same date, he also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles), The Service Contract Application listed that on the date of purchase the vehicle registered miles on the odometerThe customer's Service Contract was then accepted with payment by CARS on July 9, (See attached "Service Contract").On August 28, at 11:a.m., CARS received a telephone call from the customer advising that the check engine light was displayed in his vehicle and there may also be transmission issuesCARS then reviewed the customer's Service Contract coverage and our claim procedures.On September 22, at 11:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing transmission issuesThe repair facility also advised that odometer registered miles; which was less miles than the original mileage listed on the Service Contract as the current odometer reading on the date of purchase (July 8, 2015)During that same telephone call, CARS advised the repair facility that we would be unable to assist with the repair of the customer's vehicle, because of the discrepancy in the mileage provided by the selling dealer and the repair facilityWe explained to the repair facility that the customer needed to have the selling dealer provide CARS with proof of mileage for his vehicle on the date of purchaseCARS then closed the claim pursuant to the Terms and Conditions of the customer's Service Contract.On September 24, at 1:p.m., the selling dealer advised CARS that he would fax documents to correct the customer's mileage; however, CARS has no record of ever receiving information as a result of this telephone conversation.On September 30, at 10:a.m., CARS left a message for the customer to return our telephone call in response to an online submission from the customer regarding the mileage issue with his ServicevehicleThe selling dealer advised CARS that she would search for the necessary documentation and fax it to CARSAgain, CARS has no record of ever receiving any paperwork as a result of this telephone conversation.On September 30, at 4:p.m., the customer returned CARS' telephone callCARS advised that we would need either the title, bill of sale or an odometer statement to correct the mileage on the customer's Service ContractThe customer advised that he did not have any of the required documents in his possessionCARS then referred the customer to the selling dealer and advised that dealer was aware of what documentation was needed for a correction to be made.On October 7, at 4:p.m., the customer again called to inquire if we received the necessary documentation from the selling dealerCARS advised the customer that the selling dealer had not provided jjg_with any information regarding the mileage listed on his Service ContractWe again reviewed what documentation was required for CARS to make changes to the mileage listed on the Service ContractThis telephone call was the last communication CARS had with the customer or the selling dealer until we received the above-referenced consumer complaint on November 17, 2015.On November 17, 2015, CARS telephoned the selling dealer two [2) times to attempt to rectify the customer’s issue with the mileageThe dealer did not return CARS' call.On November 18, 2015, CARS received an Odometer Disclosure Statement from the selling dealer via email stating that the odometer registered 123,miles on the date of purchase (attached)CARS then made the corrections to our records.On November 18, at 5:p.m., CARS telephoned the repair facility, who had attempted to open a claim on September 22, 2015, to obtain an update on the customer’s vehicleCARS was advised that the manager of the repair facility would telephone CARS on November 19, 2015.On November 19, at 2:p.m., CARS again telephoned the previous repair facility to obtain an update on the customer's vehicleCARS was advised by the manager that there were no Chevy Impala's there for repairCARS then closed the claim.On November 19, 2015, CARS left a voice message advising the customer to have a repair facility open a claim on behalf of his vehicleWe further advised that we would process the claim pursuant to the Terms and Conditions of his Service Contract.By the customer's signature on his Value Plus Service Contract (Months/Unlimited Miles), he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinDirectly above the customer’s signature the Service Contract states: "ACCEPTANCE TO TERMS: I have read, understand and agree to the Covered Components and Terms and Conditions as stated on the front and reverse side of this Service Contract ApplicationThis Service Contract does NOT go into effect until: (1) this application is received by CARS Protection Plus, Inc("CARS"), (2) with proper payment, and approved by CARS, which may be different than my date of purchaseI certify the information above is true and correct, and I will contact CARS if I have not received a CARS LDcard within daysI understand that I am responsible for $deductible per claimI acknowledge receipt of my copy of this Service Contract." Here, the odometer reading listed on the Service Contract was inaccurate; therefore, CARS was correct in requesting information from the customer/dealer regarding the true mileage on the customer's vehicle at the time of purchase.CARS would like to point out here that the having the correct odometer reading on the Service Contract is a requirement by CARS in order for us to make informed decision on component coverage when a claim is opened on behalf of a customer’s vehicleThe listing of the correct mileage is veryService Contract purchase can be equated to a vehicle's "date of birth” and is used to ensure regular and proper maintenance of a vehicle, such as an oil change, air filter change, tire wear, etcThe wrong mileage listed on the service contract can prevent this type of maintenance which is critical to the long term health and care of a vehicle from being tracked by the customer and CARSThis, of course, is also a critical component to determine the value of a vehicleHere, the customer signed his Service Contract stating that the above information was true; however, he later informed CARS that the mileage information provided by the selling dealer was in errorTherefore, CARS was correct in not moving forward with the customer’s claim until we were provided documentation from the dealer that an error had been made and were provided with the corrected information.CARS relies on the information provided to us by the dealers, repair facilities and/or customer, since we cannot inspect every vehicle that has a service contract with usHere, the dealer listed the current odometer reading on the date of purchase as milesAt our request, the dealer provided documentation to CARS on November 18, stating that the odometer reading at the time of purchase was 123,miles.As stated above the customer needs to have a repair facility open a claim on behalf vehicle as outlined under the Terms and Conditions of his Service ContractWhen 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.At this time CARS considers the customer's consumer complaint 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 me.Sincerely, [redacted] General Counsel

June 2, VIA: EMAIL/Revdex.com WEBSITE RE: COMPLAINT ID # [redacted] VOLKSWAGEN BEETLE VIN (Last [redacted] OUR FILE NO.: [redacted] Dear Ms***: I am in receipt of your letter dated June 2, 2015, enclosing the above-referenced consumer complaintI would like to respond in the following manner: According to our records, the customer purchased the above-referenced vehicle on January 10, On that same date she also applied for a CARS Value Limited Service Contract (Months/45,Miles] and the same was received with payment and approved by CARS on January 15, (See attached Service Contract) First Claim: On April 25, 2014, at 9:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing air conditioning compressor and secondary air flow pump issuesWe then went over our claim procedures with the repair facility On April 25, 2014, at 9:a.m., CARS advised the repair facility that these were non- covered components under the customer's Service Contract and CARS would not be able to assist with the repair of the vehicleWe then closed the claim Second Claim: On May 19, 2014, at 1:p.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing water pump issuesWe then went over our claim procedures with the repair facility On May 19, 2014, at 1:p.m., CARS went over the amount we could authorize for the claim as follows: We could supply the water pump for $ [redacted] 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 $125.22, and we could supply the parts as stated above and pay $towards labor or pay $towards the repair of the customer's choiceThe customer chose to take the cash allowance to use toward the repair of her choice The attached invoice was submitted to CARS by the repair facility for payment on June 2, As shown on the invoice, the repair facility invoiced CARS in the amount of $for our portion of the repairs to the customer's vehiclePursuant to the terms and conditions of the service contract, on June 3, 2014, CARS paid the repair facility a total of $via checkThe claim was then closed However, after CARS review of this invoice, CARS is willing to pay the customer an additional $43.13, which represents the difference between what CARS authorized and the amount we were invoiced for the repairs made on behalf of the customer's vehicleA check in the amount of $will be mailed directly to the customer Third Claim: On April 29, 2015, at 3:p.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing driver and passenger window regulator and window motor issuesThe repair facility further advised that the customer's door module needed to be codedWe then went over our claim procedures with the repair facility On April 29, 2015, at 4:p.m., CARS advised the repair facility that these were non- covered components under the customer's Service Contract and CARS would not be able to assist with the repair of the vehicleWe then closed the claim By the customer’s signature on her Value Limited 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: "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 driver and passenger window regulators and window motors are not listed for coverage under the customer’s Service Contract; therefore, they are the responsibility of the customer to repair Under the customer's Service Contract, we were not required to cover the full cost of the repairSaid 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 taxes CARS stands by its decision and is unable to assist with the April 29, claim made on behalf of the customer's vehicle pursuant to the Terms and Conditions of the customer's Service Contract We would like to point out here that the Form number B [redacted] is not the Service Contract form number for the Service Contract submitted by the selling dealer to CARSThe selling dealer submitted a Value Limited Service Contract and CARS approved a Value Limited Service Contract with payment on January 15, The customer has service contract coverage through January 15, or when the odometer registers 145,miles, whichever occurs firstIf a claim is opened CARS will process 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 her Value Limited 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, [redacted] General Counsel

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

July 8, 2016VIA: Submitted to Revdex.com website [redacted] ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID # [redacted] CHEVY VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms***I am in receipt of your letter dated July 5, 2016, enclosing the above-referenced consumer complaint and respond as follows: According to our records, the customer purchased the above- referenced vehicle on February 26, On that same date the customer also applied for a CARS Value Limited Service Contract (Months/55,Miles] and the same was approved by CARS on March 16, (See Attached Service Contract)On June 30, at 1:p.m., CARS received a telephone call from a repair facility advising that the customer’s vehicle was experiencing steer box, head gaskets and knock sensor issuesCARS then reviewed our claim procedures with the repair facility.During the processing of the claim, on July 1, at 11:a.m., the repair facility advised CARS that the customer's vehicle was altered/modified with oversized tiresThe repair facility further advised that the steering box, knock sensor and head gaskets had failed.On July 1, at 11:a.m., the customer advised CARS that he purchased his vehicle with oversized tires.On July 1, at 1:p.m., CARS advised the repair facility that pursuant to the Terms and Conditions of the customer’s Service Contract, CARS was unable to assist with the repair of the customer's vehicle because the customer’s vehicle was altered/modified with oversized tiresCARS further that pursuant to the Terms and Conditions of the customer's Service Contract the customer's Service Contract was now cancelled and CARS would issue a prorated refund with a signed release from the customer.On July 1, 2016, CARS mailed the attached letter and Service Contract Coverage Cancellation & Release to the customer advising that his Service Contract was now void and upon CARS’ receipt of the executed Service Contract Coverage Cancellation & Release, a refund would be sent to his lienholder or the selling dealer.By the customer's signature on his Value Limited Service Contract, he acknowledged that he 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 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." Here, on July 1, 2016, the repair facility advised CARS in a recorded telephone call that the customer’s vehicle was equipped with oversized tiresOn July 1, 2016, the customer advised CARS in a recorded telephone call that the oversized tires were on the vehicle when he purchased it.The customer’s service contract also states at Paragraph 2(g): "PROVISIONS OF THE SERVICE CONTRACT: "Altered or modified vehicles are not covered and shall void the service contract." However, since the customer’s vehicle was already altered/modified when the customer purchased it, CARS will refund a prorated amount of the monies that CARS received from the selling dealership for the cost of the customer's Service Contract.Here, we assumed that the customer’s vehicle met our eligibility requirements when the vehicle was approved by CARS on March 16, It was not until the processing of the June 30, claim that CARS became aware of the alterations/modifications to the customer’s vehicleThe alterations/modifications of the customer's vehicle are not according to the manufacturer's specifications.CARS relies on the information provided to us by the dealer, repair facilities and customers since we cannot inspect every vehicle that has a service contract with usHere, on July 1, 2016, the repair facility advised CARS in a recorded telephone call that the customer's vehicle was altered/modified with oversized tiresOnce notified of a modified/altered vehicle, CARS has the right to cancel the service contract immediatelyThe customer's Service Contract is now cancelled; therefore, the customer no longer has service coverage 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 [redacted] General Counsel

December 7, 2016VIA: EMAIL/WEBSITE [redacted] ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID # [redacted] DODGE AVENGER VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms***:I am in receipt of your letter dated December 5, 2016, enclosing the above-referenced consumer complaint and respond as follows: According to our records, the customer purchased the above-referenced vehicle on November 14, On that same date the customer also applied for a CARS Value Limited Service Contract (Months/4,Miles] and the same was received with payment and approved by CARS on November 21, (See attached Service Contract].On November 30, at 2:p.m., CARS received a telephone call from a repair facility stating that the customer's vehicle was experiencing mechanical issues, specifically for the catalytic convertor, intake manifold & runner and seatOn that same date, at 3:p.m., the repair facility advised that the check engine light (“CEL"] and the air bag light were onDuring that telephone call, CARS went over the claim procedures with the repair facility and also advised the repair facility to obtain the customer's permission to tear-down the vehicle to the point of component failure and to contact CARS with the cause of failure and estimate prior to having any repairs performed.On November 30, at 4:p.m., the repair facility contacted CARS to advise that he could feel that the flaps were stuck and not moving on the intake manifoldDuring that telephone call CARS advised the repair facility to obtain permission from the customer to further tear-down the intake manifold and advise CARS of the findings.On November 30, at 4:p.m., in a recorded call, the repair facility advised CARS that they removed the intake manifold and that the flappers were seized from carbon buildup and metal shavingsCARS advised the repair facility that the claim would be reviewed and we would advise the repair facility of CARS' decision.On November 30, at 4:p.m., in a recorded call, the repair facility also advised CARS that the small metal flakes were not a cause of failure for the flaps sticking on the intake manifold, just carbon buildupAfter review of the claim and the recorded calls, CARS contacted the repair facility on November 30, at 4:p.m., and advised in a recorded call that CARS would not be able to assist with the claim due to the carbon build up, which is not a covered component pursuant to the Terms and Conditions of the customer's Service ContractDuring that telephone call, the repair facility requested to speak with a claims manager.On November 30, at 4:p.m., a CARS claims manager returned the repair facility's voicemailDuring that recorded call, the repair facility inquired as to why the claim would not be covered by CARSCARS claims manager advised the repair facility that carbon is not a failed covered component under the customer's Service Contract; therefore, CARS would not be able to assist with the repair.Thereafter on December 1, at 3:p.m., another CARS claims manager returned a telephone call to the customer's motherIn that recorded telephone call, CARS explained to the customer's mother that at no time did CARS provide the repair facility with any authorized amount or an authorization number for the repair of the vehicleCARS also explained to the customer's mother that the failure was not caused by dirtCARS additionally explained to the customer's mother that the failure was caused by carbon buildup, which is not a covered component under the Terms and Conditions of the customer's Service ContractWe further explained to the customer's mother that the carbon buildup was caused by a lack of maintenance, which could affect the catalytic convertor and also affect any required emission testing/inspection.By the customer's signature on his Value Limited Service Contract, it states under Covered Components: "Coverage limited to above components.” Also, under the Terms and Conditions at Paragraph 1(a) & (o) it states: "Components and Expenses Not Covered: Components not listed regardless of failure" and "Damage resulting from failure to maintain Your vehicle according to Your manufacturer's maintenance requirementsHere, the repair facility chosen by the customer to repair his vehicle advised CARS that the failure to the intake manifold was caused by carbon buildupAs stated above, carbon is not a listed component and is not available for coverage under the customer's Service ContractAdditionally, carbon buildup is a result of the failure to maintain the vehicleFurthermore, at no time during the processing of the claim did CARS provide the repair facility with an authorization number or any money allowance for the repair of the customer's vehicle.Therefore, for all the reasons stated above, CARS stands by its original decision as is not able to offer any assistance with the customer's mechanical claim of November 30, 2016.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 [redacted] General CounselJPM/cllAttachment?

January 28, VIA: Revdex.com WEBSITE RE:? ? ? ? COMPLAINT ID # [redacted] CHRYSLER LHS VIN (Last 8): [redacted] OUR FILE NO.: C- [redacted] Dear Ms***: am in receipt of your letter dated January 25, enclosing the customer's consumer complaintOur records indicate that on November 21, the customer purchased the above- referenced vehicle and on that date the vehicle registered 70,miles on the odometerOn that same date, the customer also applied for a CARS Power Train Service Contract (Months/4,Miles)The customer's Service Contract was accepted with payment and approved by CARS on November 30, (the attached “Service Contract”)On January 7, at 2:p.m., CARS received a telephone call from the repair facility advising that the customer's vehicle was experiencing transmission issuesWe then went over our claim procedures with the repair facilityDuring the processing of the claim on January 7, at 2:p.m., in a recorded telephone call, the customer advised CARS that his vehicle began to experience transmission issues during a test drive of his vehicle and that the transmission issues were present on November 21, On January 7, at 4:p.m., CARS contacted the repair facility and advised that since the failures were present prior to CARS acceptance of the customer's Service Contract on November 30, 2015, CARS could not offer any assistance with the repairsOn January 7, at 4:p.m., CARS reviewed the reasons CARS could not assist with the transmission claim with the customer and his motherBy 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 January 7, that his vehicle experienced transmission problems on November which was prior to CARS acceptance of his Service Contract on November 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 ContractAs stated in the above paragraphs, the customer’s vehicle is not eligible for assistance with the January 7, transmission claim because the transmission issues were present prior to CARS’ acceptance with payment of the customer's Service ContractFor all the reasons stated above, CARS stands behind our original decision and we are not able to assist with the January 7, transmission claim made on behalf of the customer's vehicleCARS service contract applications provide that they go in effect after they are received with payment, processed and approved by C.A.R.SProtection Plus, Inc., which may be different than the date of vehicle purchaseThe customer's Service Contract was processed and approved on November 30, The customer has Service Contract coverage on his vehicle through February 29, or when the odometer on his vehicle registers 74,miles, whichever occurs firstIf 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 Power Train 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 questions regarding this matter, please do not hesitate to contact me Sincerely,Jason [redacted] General Counsel

June 17, 2017VIA: Revdex.com WEBSITE [redacted] Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID# [redacted] CHEVY EQUINOX LSVIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms [redacted] :I am in receipt of your letter dated July 14, 2017, enclosing the above-referenced consumer complaint and respond as follows:According to our records, the customer purchased the above-referenced vehicle on April 14, On that same date the customer also applied for a CARS Independent Service Contract (Month to Month Coverage)In addition, the customer provided a credit card number, V code and expiration date and executed the service contract application.Pursuant to the RECURRING PAYMENT TERMS and ACCEPTANCE TO TERMS of the customer's Independence Service Contract and Payment Authorization Form, CARS debited the credit card on April 26, with the credit card information supplied by the customerThe customer's Independence Service Contract was approved by CARS on April 26, 2017, once CARS received confirmation that the payment was successful.Pursuant to the Terms and Conditions of the customer's Service Contract, CARS charged the customer's credit card within seven days of the billing date for May and June 2017.On July 13, at 9:a.ma repair facility advised CARS that the customer's vehicle was experiencing valve cover, upper and lower intake gaskets, fuel tank pressure sensor, thermostat seal and water pump issuesCARS then reviewed our claims procedures with the repair facility.On July 13, at 10:a.mCARS advised the repair facility that pursuant to the customer's Service Contract, CARS was only able to assist with the repair of the water pumpCARS advised the repair facility that we could not assist with the thermostat and hoses since the thermostat had not failed and the replacement was just a recommendation by the repair facilityCARS further advised that the sensors, valve cover and upper and lower intake gaskets were not covered under the customer’s Service Contract.On July 13, at 11:a.mCARS went over the amount that we could assist with the repair of the customer's vehicle with the repair facility as follows: CARS advised the repair facility that we could supply the water pump 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 $deductibleCARS further explained that the customer had two (2) choices for assistance with the approved claim: CARS could either supply the water pump 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 not be able to assist with the labor due to the $deductibleThe repair facility advised that would get to us with the customer's decision.On July 13, at 1:p.m., CARS went over the amount we could assist with the repair of the vehicle with the customerCARS reviewed that the thermostat was a recommended by the repair facility but it had not failed; therefore, we were unable to offer any assistance with the thermostatCARS then went over the covered components with the customerThe customer then requested to speak with our cancellation department.On July 13, at 1:p.m., the customer advised CARS that she would like to cancel her Service Contract coverageCARS emailed a Service Contract Cancellation Form to the customerThe customer returned the executed Service Contract Cancellation Form to CARS and her Service Contract was cancelled effective July 26, 2017, which would be the customer's next billing date for her Independence Service Contract (Month to Month Coverage].By her signature, the customer acknowledged that she read, understood and agreed to the Terms and Conditions contained thereinThe customer's Service Contract states 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 of failureHere, valve cover gasket, upper and lower intake gaskets, fuel tank pressure sensor are not listed for coverage under the customer's Service ContractTherefore, it is the customer's responsibility to repair/replace the valve cover gasket, upper and lower intake gasket and fuel tank pressure sensor.The Service Contract states at Paragraph (i): "PROVISIONS OF THE SERVICE CONTRACT: Coverage is limited to the repair or replacement of any covered component found to be defective beyond manufacturer's specifications, including failures resulting from wear and tear."Here, the replacement of the thermostat was recommended by the repair facility; however, it was not found to be defective beyond manufacturers' specificationsThe thermostat did not fail; therefore, pursuant to the customer's Service Contract, CARS was unable to assist with the repair/replacement of the thermostat.The customer's Service Contract states under Terms and Conditions at Paragraph 3(f): "SERVICE CONTRACT CLAIM PROCEDURE: CARS has the option to select 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 to calculate the total amount of the claim as previously statedHere, CARS is able to supply was able to supply a water pump for the repair of the customer's vehicle for $or assist with the repair in the amount of $12.29, after the deductible was applied.The customer's Service Contract states: "COVERED COMPONENTS LABOR: The authorized time for a covered repair will be based on the ProDemand labor guideThe hourly labor rate will be the repair facility's rate up to $per hourShould your repair facility's rate exceed this amount, You are responsible for the difference." Here, during the processing of the mechanical claim made on behalf of the customer's vehicle, the repair facility chosen by the customer to repair her vehicle advised CARS that the labor rate for the repair of the customer's vehicle was $per hourProDemand labor guide allows hours for the replacement of the water pump; therefore, the total value of the labor portion of the thermostat claim was $Here, the customer would be responsible for any amount over $per hour for the labor costs and any labor time over hours associated with the repair of her 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, non-covered components, the difference in labor rates and deductible.The customer has Service Contract coverage through July 26, 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.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 [redacted] General Counsel

VIA: Submitted to Revdex.com websiteRE: COMPLAINT ID # [redacted] NISSAN MAXIMA VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms***:I am in receipt of your letter dated May 25, 2016, enclosing the above-referenced consumer complaint and respond as follows: According to our records, the customer purchased the above-referenced vehicle on November 23, 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 November 25, 2015.First Claim: On April 4, at 9:a.m., a repair facility advised CARS that the customer’s vehicle was experiencing wiring harness issuesCARS advised the repair facility that the wiring harness was a non-covered component under the customer's Service Contract.Second Claim: On May 4, at 11:a.m., a repair facility advised CARS that the customer’s vehicle was experiencing transmission issuesCARS then reviewed our claim procedures with the repair facility.On May 4, at 12:p.m., the repair facility advised CARS that the customer’s vehicle was experiencing shifting problemsCARS advised the repair facility to obtain the customer's authorization to tear-down the customer's vehicle to determine the cause of failure and extent of damage to the customer’s vehicleCARS further advised that the customer is responsible for all diagnostic and tear-down costs for his vehicleThe repair facility advised that they would contact CARS with their findings.During the processing of the claim, it was determined that the transmission had failedOn May 6, at 4:p.m., CARS went over the amount we could authorize for the replacement of the transmission with the repair facility as follows: We could supply the transmission for $1,CARS could assist with the cost of fluids needed for the repair in the amount of $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 $1,632.00, and we could supply the parts as stated above and pay $towards? labor and fluids 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 May 9, at 9:a.m., the repair facility advised that the customer would like CARS to ship the transmission to the repair facilityOn May 10, at 10:a.m., CARS provided an authorization number to the repair facility to begin the repair to the customer's vehicle.On May 13, at 4:p.m., the repair facility advised CARS that the supplied transmission was refused by the repair facility because the harness had been cutCARS contacted our supplier to ship a replacement transmission.On May 20, at 11:a.m., the repair facility advised CARS that that third gear was missing; however, no codes were showing on the transmissionCARS again contacted our supplier to ship a replacement transmission.On May 25, CARS attempted to reach the repair facility to check on the arrival of the supplied transmission; however, no one answered the telephoneThe tracking information shows that the engine arrived on May 24, 2016.By the customer’s signature on her Value Plus Service Contract, she acknowledged that she 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 vehicleHere, 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, anyinconvenience 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 possibleOur supplied parts are to be tested by our suppliers; however, two (2) supplied transmission were found to have issues upon arrival at the repair facilityHere, due to the customer's inconvenience, CARS is waiving the $deductible for the transmission claim.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 the additional eleven (11) days that it took for a 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 of? failure." Here, CARS was unable to assist with April 4, claim made on behalf of the customer's vehicle because the wiring harness 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 deductible.CARS apologizes for any inconvenience caused by the issues with the supplied transmissionsAlthough CARS had no control over the shipping time of the supplied parts or the failure of the supplied transmissions, in a goodwill gesture, CARS is paying the customer for eleven (11) days of rental benefits and will waive 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.Sincerely,Jason [redacted] General CounselJPM/jmmAttachments?

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below Regards, U [redacted] as different mechanics told me that the engine needed to be replacedI ask this company to come out and inspect the engine and they refusedThe head if the service department told this adjuster from this company that the repair that they approved did not fix the problem, the car was not properly maintain by the previous owner and we did oil changes but it did not help the problemThe adjuster told me well you drove the car inYes I did but also had to pray that I did not have to stop because every time I had to stop the car overheated so I did not drive it in with out definite issues? This company is putting me at risk by not doing the repairs these mechanics advisedIt is not my fault the owner sold this car like this nor am I to be punished? When they gave me this warranty that I paid for they accepted the problems I may have do to the other owners neglect? I feel that I paid them in good faith to take car of my car and no I had the good faith that they would take care of my car? I do not see that they are doing what I paid for in regards to fixing my car properly? As the mechanics told me this car may be fine for a year if I am lucky with this bandaid repairSo what I am suppose to sell this car to someone else and hope they do not have problemsquite honestly I think they refused to look at the engine cause they may have to admit they need to replace the engineHonestly that is what I have been suggested to do, do you consider this good practice by this warranty company because I sure do not accept the offer that they are giving me? I will still have to replace the engine and this car will never be worth what I paid for it, and if someone does a car fax this information will be given to them so do you think I can sell it, no so I am out grand and another grand to replace the engine on my own

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I reviewed that response from CARS, however, in the response, it states that yes they contacted me and explained to me that AUDI was charging $/hr for labor and they pd $60/hr, and suggested that I take my car somewhere else, in the response it states that I was given a decision to either take the allowance that they would give me or approve the repairs, CARS states they told the repair faculty to explain to me and get back to them with my decision, Well the repair shop NEVER explained that it me, my question is, Why didn't my warranty company call me and explain to me what my options were, just as you did when my car was at the audi shopMy main reason for filing this complaint is that CARS in violation the Consumer Protection Law by making me pay for tear down and diagnostics for this warrantyAlso, I called and spoke with my adjuster ( Tanner) he stated that I my transmission was rebuilt, The repair shop says it was replacedThey also give a complete different issue as to what was actually wrong with my transmission, My point is that had the warranty company called and let me know what my options were, I could have saved myself a lot of money by possibly going to a place that would work with the money given to me from the warranty company Regards, [redacted]

VIA: SUBMITTED TO Revdex.com WEBSITEDear Ms***:I am in receipt of your letter dated March 20, enclosing the above-referenced consumer complaintI would like to respond in the following manner: On July 29, 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 1, (the attached “Service Contract").Since the inception of the customer's Service Contract two (2) claims have been opened as follows:First Claim: On February 22, at 9:a.m., CARS received a telephone call from a repairfacility advising that the customer's vehicle was experiencing starter, emergency brake, front wheel bearing, and left front spring issuesWe then went over our claim procedure with the repair facility.Pursuant to the Terms and Conditions of the customer's Service Contract, on February 28, CARS paid the repair facility in the amount of $for the repair of the customer's vehicle via credit cardPursuant to the Terms and Conditions of the customer's Service Contract, on March 9, CARS paid our supplier in the amount of $for parts for the repair of the customer's vehicle via check.Second Claim: On March 7, at 10:a.m., CARS received a telephone call from the repair facility advising that the customer's vehicle was experiencing grinding noises when the vehicle was startingThe repair facility advised that the flywheel in the customer's vehicle had failedWe then went over our claim procedure with the repair facility.Upon review of the repair facility's estimate, CARS ordered a flywheel for the repair of the customer's vehicleDue to circumstances beyond CARS' control, the estimated arrival time of the flywheel is March 23, 2017.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 option 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, the customer chose to have the parts supplied by CARS for the repairs needed for the March 6, mechanical claim opened on behalf of her vehicle.The customer's Service Contract states at Paragraph 2(m): "PROVISIONS OF THE SERVICE CONTRACT: CARS will 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." Here, the customer is not entitled to any reimbursement for any inconvenience caused by the loss of her vehicle.However, in a goodwill gesture, CARS is willing to reimburse the customer in the amount of $towards her additional expenses caused by the shipping delay of the supplied parts for the flywheel claim opened on behalf of her vehicleCARS will issue a check directly to the customer upon CARS receipt of a properly submitted invoice for the repair of the customer's vehicle by the repair facility.CARS would like to point out here that we have no control over our supplier's shipping times and delaysWhen made aware of delays, CARS contacts our suppliers for updated information and will advise the repair facility of any changes in the delivery dateWe apologize for the delay of the flywheel.The customer has Service Contract coverage through August 1, 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 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 my office.Sincerely, General Counsel

December 13, 2016VIA: EMAIL THROUGH Revdex.com WEBSITE [redacted] ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA 15220RE: COMPLAINT ID # [redacted] SCION TC VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms***:I am in receipt of your letter dated December 7, 2016, enclosing the above-referenced consumer complaintI would like to respond in the following manner: On September 30, 2016, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a Power Train Service Contract (Months/7,Mile) and the same was accepted with payment by CARS on September 30, (the attached "Service Contract").On October 31, at 10:a.m., the customer advised CARS that her vehicle shut down while driving and would not startCARS then reviewed our claim procedures and her Service Contract coverage.On November 8, at 3:p.m., a repair facility advised CARS that the customer's vehicle was experiencing engine, radiator, water pump and upper and lower radiator hose issuesWe then went over our claim procedures with the repair facility.On November 8, at 4:p.m., the repair facility advised CARS that the customer's vehicle was towed to the repair facility on November 4, The repair facility advised CARS that the customer's vehicle started to lose power, sputter and white smoke was coming from the rear of the vehicleThe repair facility advised that the vehicle then made a clucking noise and then would not startThe repair facility then advised that both radiator hoses blew off and the serpentine belt was covered in oilThe repair facility further advised that the customer continued to drive the vehicle and melted all the plastic that was attached to the engine.On November 9, at 10:a.m., in a recorded telephone call, the repair facility advised CARS that the radiator in the customer's vehicle was newThe repair facility advised CARS that the technician believed that when the radiator was replaced the coolant system was not properly bleed and pressure built causing the hoses to blow off the radiator which subsequently caused the engine to overheatThe repair facility further advised that the customer stated that there was no indication that the vehicle was driven in an overheated condition.On November 9, at 4:p.m., CARS advised the repair facility that CARS was unable to assist with the repair of the customer's vehicle because the issues to the customer's vehicle were caused by the radiator, radiator hoses and/or an improper previous repairThe radiator and radiator hoses are non-covered components under the customer's Service ContractThe customer's Service Contract does not cover any failures or damage caused by an improper previous repair.On November 17, at 9:a.m., a claims manager advised the customer that CARS was unable to assist with the repair of the customer's vehicle because the issues to the customer's vehicle were caused by the radiator, radiator hoses and/or an improper previous repairThe radiator and radiator hoses are non-covered components under the customer's Service ContractThe customer's Service Contract does not cover any failures or damage caused by an improper previous repairThe customer advised that she would like a refund of her Service Contract.On November 17, at 10:a.m., CARS advised the customer that she was not eligible for a refund under her Service Contract.By the customer's signature on her Power Train 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 NOT COVERED: Damage resulting from any previous improper repair." Based on the findings of the repair facility provided to CARS during the recorded telephone calls on November 8, 2016, CARS determined that the failures to the customer's vehicle were caused by the failure of the radiator, radiator hoses and/or an improper previous repair due to the air not being bled during the replacement of the cooling system.It is stated in the service contract under terms and conditions at Paragraph (f): "COMPONENTS AND EXPENSES NOT COVERED: Damage/failure to a covered component caused by failure of a NON-covered component." Here, the repair facility chosen by the customer to repair her vehicle found that the failures of non-covered components (i.eradiator, radiator hoses) caused the engine to overheat causing the failure of a covered component (i.eengine).It 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." Additionally, under Virginia the customer is not eligible for a refund of her Service Contract.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 deductibleAccordingly, 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 November 8, mechanical claim for the reasons stated above.The customer has Service Contract coverage on her vehicle through March 30, Should the customer's vehicle incur future mechanical problems, 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 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.Jason [redacted] General CounselJPM/jmmAttachment

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? I will accept that offerThank you.In response to CARS telling the repair shop they were going to send the check to them in lieu of an invoiceIt is extremely difficult to find out pertinent information like that when phones do not get answered Regards, [redacted]

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

July 25, VIA: SUBMITTED TO Revdex.com WEBSITE [redacted] Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA RE: COMPLAINT ID # [redacted] NISSAN MAXIMA VIN (Last 8): [redacted] OUR FILE NO.: [redacted] Dear Ms [redacted] am in receipt of your letter dated July 25, enclosing the above-referenced consumer complaintI would like to respond in the following manner: On July 15, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Limited Service Contract (Months/15,Miles) and the same was accepted with payment by CARS on July 19, (the attached "Service Contract”)On July 20, at 4:p.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 July 20, 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 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 $164.49, and we could supply the alternator as stated above and pay $towards labor or pay $towards the repair of the customer's choiceThe repair facility stated that they would advise CARS of the customer’s decisionOn July 20, at 4:p.m., the repair facility advised CARS that the customer had found an alternator for $CARS advised that after the customer properly submitted an invoice for the customer supplied alternator and labor, CARS would issue a check to the customer for $On July 20, at 4:p.m., the repair facility advised that the customer would like CARS to ship the alternator to the repair facilityCARS then advised that the part would have to be ordered on July 21, since the deadline to place an order on July 20, had pastOn July 21, at 8:a.m., CARS gave an authorization number to the repair facility to begin the repairs to the customer's vehicleOn July 21, at 4:p.m., CARS advised the customer that the part was ordered in the morning and it would take two business days for the supplied alternator to arrive at the repair facility The supplied alternator arrived at the repair facility on July 25, at 10:a.mPlease see the attached FedEx tracking sheet By 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 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 vehicleIt was the customer's decision to have CARS ship the alternator to the repair facilityThe 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." Also the 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." Here, as stated above the time to repair the covered component (alternator) was hours based on ProDemand Labor Guide; which would not entitle the customer to any rental reimbursement since the repair to his vehicle should take less than hoursAs CARS stated to the repair facility the alternator took two business days for delivery of the alternatorThe customer's Service Contract states: "TOWING We will reimburse up to a maximum of $50.00, if proof of towing is provided with an authorize claim." Here, the customer is entitled to a reimbursement of $for the towing of his vehicle to a repair facility since his claim has been authorized by CARSThe customer must submit his towing receipt to CARS from the towing company and submit to CARS with his contact identification number for reimbursementThe customer has Service Contract coverage through July 19, or when the odometer registers 140,miles, whichever occurs firstIf 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 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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Of course I accept a $check from Cars Protection Plus which is more than what I expected in settlement from themI realize that the threat of a class action lawsuit tends to change one's perspective in certain mattersI will say however that I will not be accepting this as hush money and I intend to reach out to many of thedissatisfacted customers that I run into and describe my dealings with this company and the actions that they took in an attempt to quiet my concernsUnfortunately for cars Protection Plus the snowball has already started rolling down the hill with the letters that I fired off to the various consumer agencies and state representatives affiliated with businessl icensure.In accepting this check as final settlement on my case I would say that I am not satisfied with cars Protection Plus and their explanation for presenting me with this settlementThere is no acknowledgement of wrongdoing, there is no acknowledgement of incompetence on the part of their adjuster nor is there any recognition of their poor business practices which in my opinion need to changeI thank the Revdex.com for their efforts in this matter and highly grade you in your support of the General Public battling the tyranny of high-pressure attorneys and large corporations who feel they can push around consumers Regards, [redacted] ***