Motor Vehicle Protection Corp.

Complaint: [redacted] I am rejecting this response because:Hi, Some months ago I made the complaint referenced above. The resolution involved the company refunding the money paid, to which I agreed. However, to date, I have not received anything. Please advise. Thanks, [redacted]

Dear Ms***: Motor Vehicle Protection Corp("MVP") respectfully submits this response to the above-reference complaint First and foremost, the contract information that MVP culls is obtained from public sources, and is limited to names, addresses, and phone numbers
MVP does not possess vehicle information Second, through training and oversight, MVP instructs its sales representatives to provide a comprehensive explanation of the benefits of the coverage, the cost, and the cancellation terms, and ultimately leave it to the customer's discretion whether to purchase a contract Although we are not exactly certain as to why the complainant wishes to cancel the contract, we will, of course, on honor the request As a demonstration of the company's good faith, a full refund of all monies received will be issued within the next business days.Sincerely,Kevin M

Complaint: ***
I am rejecting this response because:
Sir ***
2:PM (minutes ago)
Re: ID # ***- Motor Vehicle Protection Service
Dear Ms***
Here is question for the companyHow can this organization say here is a check that was paid for 845.40, but there is a return check fee for $35.00? We never received a check the first time, so the amount that sent was $Here is a copy of the pay stub*** ***
Regards,
*** ***

Dear Ms. [redacted]: Motor Vehicle Protection Corp. ("MVP") hereby responds to the complaint filed by Ms. [redacted] as follows.  Contrary to Ms. [redacted]' assertions, MVP representations are trained, as a matter of course, to disclose to all potential customers contacted, the purpose of...

the call, to provide an overview of the coverage, to make clear that MVP is not affiliated with any manufacturer, and to ultimately leave it to the customer to decide whether to purchase a vehicle service contract.  Furthermore, MVP does not possess any vehicle information.  Rather, its contact information is culled from publicly available sources, such as voter registration records and telephone directories, and limited to name, address, and phone number.  In this particular instance, Ms. [redacted] agreed to the purchase of a vehicle service contract for her [redacted] with an initial deposit of $299.  Given her complaint, however, it appears that there was some degree of confusion or miscommunication and it is now clear that Ms. [redacted] no longer wishes to keep the contract.  As such, and as demonstration of its good faith, MVP will issue a full refund upon confirmation from Ms. [redacted] that she has not charged back or reversed the $299 that was previously collected.  If that is the case, Ms. [redacted] will have already received the benefit of a full refund.  Sincerely, [redacted]General Sales Manager

I am rejecting this response because:I’m sending you this letter regarding my case for my mother. I have communicated which you several times over the phone. I have never received a reply back from the organization first email, that I filed a complaint ID [redacted] against. Each time you informed me that you will reach out to the organization and I was hoping that we would get a reply back regarding this matter. I was hoping that we as adults would come to a final outcome, regarding my complaints with this company. In my defense if I did something wrong I apologize but the way I see how to reply back on this situation was to agree to the terms and I did I sent you a copy of the power of attorney. Someone from this organization could take the time to respond back to me in a timely matter. Reviewing the situation and will get right back with me. Could you please tell me what the best option is regarding this matter reopen the case for continuing communicating back and forth over the phone  and an email. Please advise me with your professional opinion regarding this case.
YOUR MESSAGE FROM BUSINESS:Please accept this response on behalf of Motor Vehicle Protection Corp.  While we respect the representations set forth in the Complaint, we must request, as a matter of policy, a copy of the Power of Attorney.   Upon receipt of that document, we will review the merits of the Complaint, provide a proper response and, if warranted, issue a refund.  We thank the complainant in advance for his cooperation in this regard.

Complaint: [redacted]
I am rejecting this response because:Hi,
Some months ago I made the complaint referenced above. The resolution involved the company refunding the money paid, to which I agreed. However, to date, I have not received anything. Please advise.
Thanks,
[redacted]

Review: On Monday, 4/27 I received a disturbing call: A woman presented herself as one of the warranty servants for [redacted] and was situated in NJ, the financial Department.

"-You need to take immediate action." -Your [redacted] Prius 2013 has already passed the 25 000 miles warranty coverage! she said.

No I have a warranty that covers everything on my car for 7 years.

-Not the electrical and motor parts which are the most expensive if anything happens! she says.

-But that insurance is supposed to cover everything that fails, I reply.

-Yes, but not the important things that costs 2000 dollars or more. You need to take immediate action to be secured from high cost repairs.! We charge you $299 up front and you can drive safely from now on. Then you need to pay another 17 monthly installments of $149 so that altogether this will cost either $2890 for 4 years and 100 000 miles, or $3250 for 6 years and 150 000 miles whichever comes first, she tells me.

-Are you sure this is [redacted] at [redacted]? I ask.

-Of course, how could I otherwise know that you need to do this? She asks.

So, like stealing candy from a child I handed her my Credit Card info. She told me that I have 30 days to

Cancel and that was some relief to me. She was very convincing and knew exactly what to say and do. I was the perfect victim.

It was impossible for me to handle the monthly extra costs to keep this car since I was already paying $400 a month on a down-payment. We visited a local car-dealer and then [redacted] to for some less expensive alternatives. I had brought all my papers related to my car purchase, warranty and care-plan.

When we waited for one of the sellers I talked to one of the female employees and asked if plans related to my [redacted] could be transferred to a used car. She looked at my papers and just by coincidence or serendipity!!! I told her my story about this warranty. She looked puzzled! She then looks at my Warranty! And says: but you are covered!I On May 6th I called and cancelled the warranty.Desired Settlement: On 5/6 I called and cancelled the "Warranty". I was upset and said: THIS IS CRIMINAL. They LAUGHED AT ME and TRIED TO SELL IT to me AGAIN. I hung up but did't have the brains to ask for a confirmation number! [redacted]

05/06/2015 5:07:46 PM Airtime New Brunswick, NJ ###-###-####

From here I thought that everything was fixed. On 5/14 a call came in:

05/14/2015 11:03:20 AM Airtime Incoming ###-###-####

A woman presented herself as the ACCOUNTANT for this VERY (scam) club and wanted me to CHANGE MY MIND about the warranty. Reconsider and keep it! I told her that I had already CANCELLED and was able to KEEP MY CAR, that they were SCAMMERS and did nothing but create HAVOC FOR HONEST PEOPLE and if they did not cancel immediately I would report them to Revdex.com. She said OK and hung up. [redacted] IS TRYING TO GET MY 299$ back. They claim I never cancelled. These people MUST BE STOPPED! THEY MUST HAVE SOMEONE inside FEEDING THEM INFO ABOUT CAR-OWNERS STATUS! I am but one of many that's scammers.

Business

Response:

Dear Ms. [redacted]: Motor Vehicle Protection Corp. ("MVP") hereby responds to the complaint filed by Ms. [redacted] as follows. Contrary to Ms. [redacted]' assertions, MVP representations are trained, as a matter of course, to disclose to all potential customers contacted, the purpose of the call, to provide an overview of the coverage, to make clear that MVP is not affiliated with any manufacturer, and to ultimately leave it to the customer to decide whether to purchase a vehicle service contract. Furthermore, MVP does not possess any vehicle information. Rather, its contact information is culled from publicly available sources, such as voter registration records and telephone directories, and limited to name, address, and phone number. In this particular instance, Ms. [redacted] agreed to the purchase of a vehicle service contract for her [redacted] with an initial deposit of $299. Given her complaint, however, it appears that there was some degree of confusion or miscommunication and it is now clear that Ms. [redacted] no longer wishes to keep the contract. As such, and as demonstration of its good faith, MVP will issue a full refund upon confirmation from Ms. [redacted] that she has not charged back or reversed the $299 that was previously collected. If that is the case, Ms. [redacted] will have already received the benefit of a full refund. Sincerely, [redacted]General Sales Manager

Review: I was called more than 10 times by this company telling me my car warranty was about to expire and that they were going to extend my warranty. When I finally answered the phone the employee stated my car information including the year, make, model and color. They told me that my car warranty had expired 15,000 miles ago and that I was no longer covered. I believed that they were involved with [redacted] my car company as they knew so much about me and my car. As they said they were extending my warranty and not starting a new one I feel they misrepresented themselves from the beginning. As they were extremely pushy and rude I started to ask questions, they were firm and assuring so I continued. They requested a $500 dollar down payment I said I could not, and they on the spot "approved me" paying whatever I could afford down. So I paid $150 and have made 3 payments of $109.78 since. As nothing has felt right with this company, I called back last month to ask more questions, they said they would transfer me and hung up. I tried to call back again when I said hello they hung up again. I tried to call today to cancel my service agreement and received the same treatment. The man gave me an address and told me to write a letter containing my name, phone number, reason for cancelling, mileage on my vehicle, and a signature. When I asked for a phone number for the company he had me sending this information to he rudely told me there was not one, as I was now extremely frustrated, he raised his voice, yelled at me and hung up. When I called back again, he pressed some buttons and hung up. No legitimate company would treat people this way. I have filed a dispute with my credit card company and am now filing a complaint here in hopes that no one else will fall for there lies. They have complaints on not paying for services and with the customer service I have received I do not wish to wait until I have a problem with my car to find out.Desired Settlement: I would like the money back that I have paid this company as the services to which I agreed to are not met. This company misrepresented themselves, have acted childish and have given me no other option than to report them. As I am not able to resolve this matter with them, as they continuously hang up on me, I am hoping to resolve it another way. The "warranty service" they have given me also overlaps with my existing warranty, and is not needed.

Business

Response:

Dear Ms. [redacted]: Motor Vehicle Protection Corp. ("MVP") respectfully submits this response to the above-reference complaint. First and foremost, the contract information that MVP culls is obtained from public sources, and is limited to names, addresses, and phone numbers. MVP does not possess vehicle information. Second, through training and oversight, MVP instructs its sales representatives to provide a comprehensive explanation of the benefits of the coverage, the cost, and the cancellation terms, and ultimately leave it to the customer's discretion whether to purchase a contract. Although we are not exactly certain as to why the complainant wishes to cancel the contract, we will, of course, on honor the request. As a demonstration of the company's good faith, a full refund of all monies received will be issued within the next 10 business days.Sincerely,Kevin M

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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 appreciate this effort of professionalism.

Regards,

Review: [redacted]

January 2, 2015

Warranty Division

CN 9000

Brick, New Jersey 08723

To Whom It May Concern,

The purpose of this letter is to stop payments coming from my account with regard to your extended warranty [redacted] for my 2010 Honda Pilot with mileage [redacted] effective immediately.

First of all, what I am being charged for is not what was represented to me. Secondly, a check with my own records indicated that I never signed a contract for this warranty. Your company went ahead and started taking payments from my account. This is not legal and borders on fraud and should have been an indication to me that this warranty was not a good idea. I faxed a cancellation letter to your company in September 2014 (from a UPS Store on Flatbush Avenue, Brooklyn New York) but apparently this had no effect, as you still started charging my account.

Thank you in advance for cancelling the payments. Though according to my records we have no contract and I am entitled to a full refund.

Sincerely,

Cc: Revdex.com

Chamber of CommerceDesired Settlement: That the company makes sure that other consumers are not mislead with affirmative answers to direct questions about the service, which are not true and that the company take payments only with a signed contract.

Business

Response:

Motor Vehicle Protection Corp. ("MVP") respectfully submits this message in response to the Complaint filed in the above-referenced matter. Based on our review of the file and the Complaint, it appears that, although the complainant seems to be challenging the validity of the service contract, he did previously submit a claim under its terms and conditions. Before considering the issuance of a refund, MVP requests that the complainant confirm his position as to the submitted repair claim and, more specifically, whether he would waive any claim related to or arising from that repair claim in the event that a refund is issued.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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 accept the refund and waive any claim.

Regards,

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Hi,

Review: Their representative called my 88 year old mother who has dementia. She told them she had to get me, her daughter, to the phone to handle the call. She was told by the person that she did not have to do that. She was led to believe that she needed to pay her car insurance. She gave them her credit card number and then came to me telling me about the call. She said there was a woman on the phone, and when she tried to go get me, she put a man on the phone, and he said, no, she did not need to get me. I called her car insurance and they had not called her. I called the phone number on her phone, and got the warranty company. They would not do anything because it is the weekend. I called, while at work, and no one will address it without her present. She is 88, she has dementia, and I handle her business.Desired Settlement: This company's business practice needs to be changed. I am upset that they did not honor my mother's request to bring me to the phone. When I called the company, they would not even look up the account. Her name is [redacted] S[redacted]. The response I got was, "well, no one physically stopped your mother from coming to get you". No, but they psychologically did so. The person I spoke to on the phone was completely unconcerned about this issue, and not even willing to take a report. They can call and get my mother's credit card info on a weekend, but I cannot call them back the same day, while she is present. I now have to send them a copy of my durable power of attorney to stop this, and had to cancel her credit card. Is there anyone else I can report this practice to?

Business

Response:

After investigating the complaint, MVP has determined that no refund has been issued because no money was ever taken in connection with the transaction. Specifically, the customer charged back the initial deposit of $300 through her credit card company and, as such, MVP never collected any money.

If necessary, MVP can provide proof of the chargeback confirmation.

z

Review: I was called by this number and I called them back. The lady on the phone who answered was rude inconsiderate and down right mean. Several times during the conversation she treated me as if I was incompetent and used racial slurs.Desired Settlement: Their business licenses should be revoked.

Business

Response:

Motor Vehicle Protection Corp. ("MVP") generally denies the allegations in the complaint, particularly the alleged use of racial slurs. Nevertheless, given the nature of the complaint, the company has added the complainant's number to its internal DNC data base so as to ensure that no further attempts to contact are made.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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

Review: This company called my 91 year-old mother (she's on the do not call list) and pressured her into purchasing an extended warranty on her car. They frightened her about the loss of any coverage she might have and that this was the only way she'd be able to get her car repaired if something happened to it. She said she didn't want to buy it without talking to her daughter. Initially they told her that she didn't need to talk to her daughter about it. Then they told her she could get her $300 back if for some reason her daughter thought it was a bad idea. My mother ([redacted]) gave them her credit card number. The original issue date was Sept. 4th, 2013. My sister called to cancel the policy and get a refund on Sept. 20. She talked with [redacted] in cancellations who reported that a credit would be issued. We called again on Sept. 30th and talked to [redacted] who said she didn't know why a credit hadn't been issued and she would issue it immediately but it would take about a month to show up on Ms. [redacted]'s credit card. We called again on Oct. 31st and talked to [redacted]. She said she remembered and couldn't imagine why there was no credit. She wasn't sure whether they were sending Ms. [redacted] and check or issuing a credit. I said to issue a credit. She said she was doing it at the time and the credit would be reflected in two to three days. It is Nov. 8th and no credit has been issued.Desired Settlement: We would like Ms. [redacted]'s credit card refunded the entire purchase price of $300. We would also like it reported somewhere that this is a company that targets elderly people with high pressure sales.

Business

Response:

Please accept this response on behalf of Motor Vehicle Protection Corp. ("MVP"). Insofar as the timing of this response, my records reflect that, on or about November 25, 2013, I received a call from [redacted], MVP's General Sales Manager, advising that our response was overdue. Upon receipt of that call and from a seminar, I obtained an electronic copy of the file and submitted a response via my cell phone. Apparently that response did not go through. In any event, I apologize for this belated reply.

According to MVP's records, Ms. [redacted] agreed to purchase a vehicle service contract with an initial deposit of $300.00 on her credit card. In late September 2013, MVP was asked by cancel the contract by Ms. [redacted]'s daughter. By that time, however, MVP had received a chargeback request on Ms. [redacted]'s credit card and the $300 was deducted from MVP's bank account. As such, MVP never received any money on the transaction and Ms. [redacted] has been fully reimbursed. If necessary, MVP can supply proof of the chargeback, but would advise Ms. [redacted] to check her credit card statement.

Sincerely,