Nationwide Auto & Truck Warranties Inc.

attached are copies of documents that demonstrate the lawful cancellation and denial
of claim wrongfully and unfair deceptive practices that nationwide fails to uphold as our contract states Even the underwriting insurance company does not exist It is a mail boxes etc po box in *** claims failure to respond no follow throughTell your to refund your to provide services in the contract and unlawful cancellation per our contract everything is to be in writing and it cannot be cancelled by the vehicle services company after days you can we can sit by myself and I'm entitled to a refund if that's the case but I did not cancel this they fail to return the calls back to the BMW dealership if you return my phone calls and then I got an email from the president of the company saying that because he decided he wanted to cancel because I complained about claims he was going to cancel our contract and even though Gina says in the previous email it she is asking me to contact her to verify that I would like to cancel my contract I proceeded to contact her within minutes notified her that I had no intent to cancel my contract and please make sure it remain in full force please helpAs of today my car is still in need of repair

We have finally received your letter dated July 22, 2014, along with the complaint filed by Mr*** *** concerning a cancellation refund for the vehicle service contract (copy enclosed) he purchased on his Land Rover Range Rover Sport SC. This matter has been discussed at great length
with Mr***He is not eligible for a refund of his vehicle service contract's price because he failed to follow the refund procedure explained to him and submit a letter with a signature in a timely manner. Although Mr*** traded in his vehicle for another, we offered to transfer the remaining contract coverage to the vehicle he replaced it withThat offer, though expired by time, is being reinstated at this time provided a bill of sale for the replacement vehicle is submitted within days. If you have any remaining questions, please telephone me at *** *** *** Sincerely, *** ***
Enclosures (3)

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The required documents were sent to the business according to their rules using certified mailAttached is the certified mail returned to me as it was unclaimedAn attempt to deliver was done on 4/30, 5/and 5/The business failed to collect the certified mail from the post officeIt is not the Post Offices fault of lack of trying, but the business failure to claim it from the post office.
Regards,
*** ***

We have received your electronic letter dated June 20, 2014, along with the complaint filed by *** *** *** concerning coverage provided by the vehicle service contract (copy enclosed) he purchased on his Range Rover HSE.
Regrettably, as Provider we are unable to respond to any
claim issues since all claim coverage determinations are made by the Obligor, *** of AZ, Inc., *** *** *** *** ** ***
However, *** ***'s vehicle service contract clearly states that no refunds are given after days following the contract's purchase nor if a claim has been filed, as in this caseSince *** *** mentioned that he was changing vehicles, for the $transfer fee and if the request is timely filed with us, he may transfer the remaining coverage to his newly acquired vehicle.
If you have any remaining questions, please telephone me at *** *** ***
Sincerely,
*** ***
General Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The receipts that were supplied to the company were from a mobile mechanic that was only tasked to provide oil changesThe mechanic was convenient, reliable and provided quality serviceThe mechanic came to my home and provide the oil change service at a regular cost; which include tax. We provided the warranty company with the receipts that were provided to us and since the only service that was performed was oil changes, we determined the receipts to be adequateWe do not have control over the type of receipts the mechanic used as long as they identified the service performed, who performed the service and they were signed by the mechanic in our presence. Outside of oil changes, the only service that was performed to my vehicle was brakes and rotors replacement which was performed by a larger shopThe service that was requested by the warranty company was related to the suspension service which had no relationship to the oil changesTheir reason for denying the claim was not justified as we did provide them with the repair records that we were givenWe have already paid for the services that were requested from the
warranty company (see attached)We now assume that this company uses the "stall
tactic" on their customers so that they will be forced to pay for the
service and then have no recourse to request to be reimbursed because
the warranty company didn't approve the repairs. Based on the service that was requested from the warranty company and the evidence that was provided, we conclude that the company fraudulently denied our claim as an attempt to retain our funds that we paid in advance (approx$3,700)If the company does not want to honor their commitment and contract, we would like to have all of funds return to us immediately
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** This company is a group of liars who say one thing when selling the contract and another when it's time to collectThe contract wasn't signed until they received the first $of the offer they madeIf they cannot handle inquiries about policy issues then they should close their doorsBy the way he doesn't tell you of all the four letter words he used with three witnesses listening to them on speaker phoneAlso if they are so reputable why so,so many complaints about them on multiple web sites.If the Revdex.com can't help me then I am sure a jury in a court of law would.*** ***

MrD*** has not been honest in his responseIn speaking with MrD*** over the phone on 12/4, he refused to go over the contract with meHe did reference the contract and I acknowledged that I had my copy in front of me if he would point out the portion he was referencing which he refused to doI read him a portion of the contract as I understood it and he stated that my interpretation was wrong but refused to go into further explanation stating he didn't have time to read contracts to clientsI also pointed out to MrD*** that I never filled out a questionnaire referencing whether or not the vehicle had been altered and if so, where is the said questionnaire? I do not have a copy of it and I'm certain that he does not either I, did, however speak to the sales representative, Stacy, several times who also never asked if the vehicle had been altered in any wayI never altered the vehicleThe vehicle was in the same condition I purchased it when I purchased the warrantyFurthermore, if you are indeed a reputable company, why wouldn't I rely on the expertise and experience of your sales associate if she suggests purchasing more extensive coverage for common repairs that need to be made in this type of vehicle? She stated that Nationwide had provided coverage for many Range Rover vehicle and had been in business for over yearsI trusted her and put my trust in this companyIt would not have been my choice to pay any additional moneyWho wants to do that? But, with this being my first experience with a Range Rover, I trusted her assessment of what needed to be done and paid the additional $surcharge for the suspension which indeed failed as she indicated it mightMrD*** asked me if anyone had put a gun to my head and made me purchase the warranty or the additional coverageI responded to that indignation with, "No, nobody didBut, I had no idea this was a company with no ethics or integrity."
MrD*** was unwilling to demonstrate how the size of the wheels on the vehicle caused or contributed to the failure of the air suspension which he is responsible for doingIn fact, two separate mechanics, along with MrD*** and Jim (in claims) agreed that the air suspension failure is common in Range Rovers sitting on factory wheelsThe mechanic that finally repaired the vehicle stated that the air suspension typically goes out in these vehicles mainly due to the size and weight of the motor, which he indicated was the case in my vehicleHe stated that if the wheels had played a part in it then the air shocks for the front and back would've needed repairOnly the front air shocks needed replacing because that's where the motor sitsIf MrD*** cared about his clients or the integrity of his business, he would've done his due diligence to obtain this information from a professional mechanic prior to denying the claim and being completely discourteous and nastyIf MrD*** will deny this claim unwarranted, I have no doubt he will deny any and all claims to my vehicle. Based on all the other complaints I have read on this forum and many others, this tends to be common practice with this establishmentNot to mention, that MrD*** is an extremely rude and unprofessional individualHe has no respect for his clients and is very difficult to communicate withHe indeed yells and makes inappropriate comments and I have a witness who can attest to that
It is apparent that MrD*** is not willing to be honest and forthright where this claim is concerned and honor it or grant me a refund even though he cannot with all certain prove that the size of the wheels of the vehicle caused or contributed to the failure of the air suspension in my vehicle If we cannot settle this amicably amongst ourselves, I will continue to pursue this by other meansI have already contacted the Arizona Attorney General and the Federal Trade Commission along with seeking legal consultationI will not stop until justice prevailsNo one else should ever be made prey to the faulty business practices of Nationwide Warranty or MrTroy D***The F rating on this site wil hopefully be enough to deter innocent consumers looking for fair and honest treatment

Went over the contract with the customer, pointed out that if they vehicle had been altered, that portion of the contract claims would be not covered. When she submitted a quote request online, it asked if the vehicle was lowered or lifted, she answered no. The independent inspector said that the...

wheels were so large that the vehicle was sitting on the tires. A recommendation based upon our experience did not force her to purchase the optional coverage. It is unfortunate that the dealer did not let her know that these wheels are clearly out of factory tolerances. No one became loud or indignant, sorry if she felt that way. As I explained, any and all legitimate claims will be honored in the future. This one cannot be paid.
 
Thanks,

Revdex.com:
I have reviewed...

the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I think the fact that the business would like to cancel my policy in their response just means that they are not willing to honor the warranty like any other company would.  In each instance in which I tried to file a claim with the business, I was denied and paid for the repair out of my own pocket.  I don't believe that my action is fraudulent as the business has a right to deny the claim per their policy with any patron.  What irritates me is that the representative, [redacted], made accusations about me filing litigations on the company which I have not done so by any means and also expressed hostility towards me when he called me back.  I would like to ask the Revdex.com to have [redacted] furnish the court/legal documents showing that I have filed against the company becuase I KNOW that there is nothing.  I've called the company to ask for evidence myself but, have not received anything.  In speaking on the behalf of others, I think I'm not the only person who has been through this situation with this business.  You can check the internet for yourself and see the complaints which are similar to mine.
Regards,
[redacted]

We are not the ** mail. If we did not receive notice how is that a complaint against us. The customer is responsible for all the paperwork to be returned to us properly. Please strike this from our record as we cannot be held accountable for others actions!! Thanks.

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

appear below.Regards,[redacted] and [redacted]  this is email I received from same person that told Revdex.com he had no idea who I am and he calls me a liar..He does know exactly. " Got you Revdex.com complaint. Thought you were going to stop lying and tell the truth. Will answer them and anyone else. You have a commercial vehicle, use it for business, lied when you took the coverage out, and have lied ever since. Pay the proper premium and future claims will be adjudicated properly. Next time be honest when looking for coverage both on a service contract and your auto insurance." Furthermore, he doesn't need to concern himself with our insurance. [redacted] and I both filled out form but I left his name.

Mr. [redacted] is not telling the truth. We have proof that he got the all the documentation BEFORE any money was taken from his account. He signed saying that he understood all the terms and conditions. This man is out of his mind. He cancelled service by cancelling payment. End of story.

The only legitimate complaints, and only to a point, are the Revdex.com one's that someone has to ID themselves. Other than that, other frivolous complaints mean nothing. We stand buy our decision because of this customers deception and threats.

His contract was cancelled for non payment, Plain and simple. There are no refunds after 30 days per the agreement. Someone must pay for coverage to have coverage. He was not honest on why he was cancelled.

The folks are having a hard time reading the agreement, here below is the verbiage. Clearly excludes alterations, pre-existing condtions and omissions on their part, knowingly or unknowingly. As stated previously, any legitimate claim that is covered per the agreement is submitted properly, it will be adjudicated and paid accordingly. Thanks.
Excluded Items for Coverage A, B,  & C:  30 day
and 1,000 mile waiting period to file a claim, Non-mechanical or
non-electrical failures; frame or structural separation; clutch and related
components; engine and transmission mounts; all rubber parts; any repositioning,
refitting or realigning; ignition coils; distributor cap/rotor; tires/wheels;
air bag/supplemental restraint systems; lenses; battery and cables; all
maintenance service and items such as alignments, wheel balances, engine
tune-ups, spark/glow plugs, plug wires, brake pads, linings & shoes,
filters, lubricants, coolants, hoses; bright metal; any illumination including
lights; exhaust system; brake rotor/drums; normal fluid/oil lubricant seepage;
shop supplies; body adjustments; buttons; handles; door hinges; all latches;
cleaning; squeaks and rattles; water leaks; wear and tear items unless
surcharge is paid; belts; timing chains; shocks, struts, or spring units unless
surcharge is paid; leaking shocks; a/c recharging; failures due to lack of maintenance,
lack of fluids/coolant/lubricants/overheating;  contamination (internal or external); any parts not necessary to the
completion of the repair; components that fail due to a non-covered component;
breakdowns due to rust/corrosion/overheating; compression loss through gradual
failure or rings and valves; factory recalls; any accidental damage covered by
property casualty insurance, automatic transmission slipping due to worn
friction plates/discs when no other failure has occurred; non-factory installed
components, any alteration/modification of part/component not installed or
approved by the vehicle manufacturer, any repairs performed without prior
authorization of the administrator, breakdown/failure of a covered part
caused/contributed by a condition which existed prior to purchase of the
contract, and subsequent damage caused/contributed to by your failure to use
all reasonable means to prevent further damage following a
malfunction/breakdown.Additional Conditions of CoverageThis contract
is not valid until Provider receives full payment and has approved the
application and contract. We will mail Holder a Certificate of Coverage with
their service contract number indicating the start date of coverage.
Authorization must be made prior to guaranteeing payment for a claim. No
service or maintenance items, recalls or service bulletin items, consequential,
misuse, alterations, racing, collision, or weather damage is covered. Service
may be denied for pre-existing conditions as reasonably determined by the
Provider based upon the reasonable reliance of the time and mileage on the
vehicle and the results of a claim inspection. Company may use new, used,
rebuilt, or remanufactured parts at company's discretion. We reserve the right
to move the vehicle to an alternative repair facility and to use the most
economical price available for parts and components.Provider’s
total liability for this contract’s life shall not exceed the actual cash value
of the vehicle as determined by Provider using the NADA average trade in value
and each claim’s liability is limited to the actual value of the claim.
Coverage void where prohibited by law and additional state provisions may
apply. This contract will terminate when the time limitation has been reached
on the contract, or when the covered vehicle in this contract has been sold
unless it is transferred to the new owner. To transfer this contract to a new
owner, the transfer needs to be approved by G.W.S., Inc. of Arizona within
seven days of the vehicle sale. Mail a certified letter to G.W.S., Inc. of
Arizona stating the new owner’s name, address, telephone number and the
odometer reading along with a $100 administrative fee. Transfers may only occur
once. This contract is backed by the full faith and credit of the Provider.
This contract may be renewed, permitting that the price paid for renewal is the
current pricing on the service agreement at the time of renewal.Holder may
cancel this contract in the first 30 days for a full refund, as long as no
claims have been made. No other refunds are given after 30 days. If this
contract is returned, we will refund the purchase price within 45 days and if
we fail to refund you within 45 days we will pay you a penalty of 10 percent of
the purchase price for each 30-day period that the refund remains unpaid. No
cancellation of a service contract may become effective until at least 15 days
after the notice of cancellation is mailed to the Holder. No service contract
that has been in effect for at least 70 days may be cancelled by the Provider
before the expiration of the agreed term or 1 year after the effective date of
the service contract, whichever occurs first, except on any of the following
grounds: (a) Failure by the Holder to pay an amount when due; (b) Conviction of
the Holder of a crime which results in an increase in the service required
under the service contract; (c) Discovery of fraud or material
misrepresentation by the Holder in obtaining the service contract, or in
presenting a claim for service there under; (d) Discovery of: (1) An act or
omission by the Holder; or (2) A violation by the Holder of any condition of
the service contract, which occurred after the effective date of the service
contract and which substantially and materially increases the service required under
the service contract; or (e) A material change in the nature or extent of the
required service or repair which occurs after the effective date of the service
contract and which causes the required service or repair to be substantially
and materially increased beyond that contemplated at the time that the service
contract was issued or sold.

July 30, 2014[redacted]
Revdex.com[redacted]
Re: [redacted]
Revdex.com File#
Vehicle Service Contract  
Dear [redacted]:
We have received your...

letter dated July 22, 2014, along with the complaint  filed  by [redacted] conceming coverage provided by the vehicle service contract {VSC) (copy enclosed) she purchased on her used 2007 [redacted].
Regrettably, [redacted] complaint has been misdirected to our company, which should not be charged with this complaint.  That is because all  coverage complaints and claims decisions are the responsibility of [redacted].of **, not Nationwide Auto and Truck Warranties.
However, it seems clear from reading the VSC (see underlined section) that there is no coverage for failures untilall maintenance.receipts are received. [redacted] admits that she has not submitted the necessary receipts.
If you have any remaining questions, please telephone me at [redacted]. Sincerely, 
GeneralManager

We did not get the notices. Nothing we can do about that. It is the consumers responsibility.

Have no idea who [redacted] is.

July 30, 2014
[redacted]
Revdex.com
[redacted]
Re: [redacted]
Vehicle Service Contract  
/>
Dear Ms. [redacted]:
We have  received  your letter dated July 24, 2014, along  with the complaint  filed  by [redacted] concerning coverage provided by the vehicle service contract (VSC) (copy enclosed) he purchased on his used 2006 [redacted] diesel truck.
Regrettably, [redacted] complaint has been misdirected to our company, which should not be  charged  with  this  complaint.    That  is  because  all  coverage  complaints  and  claims decisions are the responsibility of G.W.S. of AZ, not Nationwide Auto and Truck Warranties.
However,  it seems  clear from reading  the VSC (see  underlined  section}  that there  is no coverage for failures that are the subject of a factory technical service bulletin.   Mr. Stone admits that his vehicle's current failure is in such a bulletin.
If you have any remaining questions, please telephone me at [redacted], ext. [redacted].
Sincerely,
General Manager

He provided no verifiable service receipts. They were handmade and cannot be verified. Claim stands as denied. If he goes to a legitimate repair facility and has verifiable proof of service completed, future claims will be adjudicated and paid per the contracts provisions by the administrator. The contract is what is required to be complied with not if something is covered, first all bases must be covered.