Nationwide Auto & Truck Warranties Inc.

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.
Nation wide auto and truck warranties are the ones who sold me this claim.  I do not accept this at all.  On our aggreement that they sent me it says nothing about not covering what is wrong with the truck.  There staff was exeptionally rude and used very foul language when speaking with me.  If needed I will send you the warranty that they gave me.  There is a reason that they have an "F" on the Revdex.com website. It is because they take your money and refuse to do anything when there is a claim!!
Regards,
[redacted]

Customer from almost day one of his policy tried to have fraudulent and pre-existing conditions covered. Per the policies terms and conditions, the contract is cancelled and he is not due any refund for his nefarious and underhanded actions.

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.Per the service contract, The terms expressly state that Water Pump as well as the vehicles Suspension Issues are covered by the contract. In the exclusions part of the contract, there is language that problems will not be covered if they are deemed a pre-existing problem before the contract was purchased. It is not until the "Additional Terms" section of the service agreement that the language about a "service bulletin" is even mentioned. The "additional terms" section still doesn't read that "repairs would not be covered that are the result of a service bulletin," which is the statement that [redacted] and the other representative from [redacted] kept stating and relied on for refusal of coverage. When I was sold the service agreement, the salesperson went over the contract with me and focused on the covered repairs and the exclusions. I was given the impression that the warranty I purchased was the best warranty provided and that If I had any issues with anything listed under the "covered" repairs section, it would be hassle free and covered with not problem. I am under the impression that the standard of review is whether a reasonable prudent person in my situation would have relied on the expressed terms of the contract and not the ambiguous "terms of art" listed in the "additional terms" section. I did not know or understand the terms listed or the coverage limited by the additional terms section and thus I did not agree to them. The whole purpose of me purchasing the service agreement is frustrated by the additional terms section that has allowed [redacted] to deny coverage. Both service shops that I went to told me that a company should not be able to deny coverage based on a service bulletin because you look to a service bulletin for mostly ALL repairs or problems with the vehicle. As a result, the warranty would deny coverage for Most issues. The bulletin serves as assistance for mechanics and service providers to identify issues at hand. It is not a default system that contributes to vehicle complications.Furthermore, I never told a representative that I was going to switch my coverage over to a new vehicle. I inquired about a refund. The representative told me that there is no refunds after thirty (30) days period! I then asked if I wanted to buy another car, COULD the coverage be switched. I was told, "Maybe." The representative said, once I buy the new car, call them back and they will check to see if the coverage would apply to the new vehicle. There was never any discussion about a $100 transfer fee as this is the first time it has been brought to my attention. I then asked the [redacted] representative, what if the coverage I purchased for the 2010 Range Rover is too much for the new vehicle, would I be refunded the difference. The representative again with rude rhetoric stated, "there is no refunds after 30 days period" and that I needed to read my contract.
Regards,
[redacted]

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.Per the service contract, The terms expressly state that Water Pump as well as the vehicles Suspension Issues are covered by the contract. In the exclusions part of the contract, there is language that problems will not be covered if they are deemed a pre-existing problem before the contract was purchased. It is not until the "Additional Terms" section of the service agreement that the language about a "service bulletin" is even mentioned. The "additional terms" section still doesn't read that "repairs would not be covered that are the result of a service bulletin," which is the statement that [redacted] and the other representative from [redacted] kept stating and relied on for refusal of coverage. When I was sold the service agreement, the salesperson went over the contract with me and focused on the covered repairs and the exclusions. I was given the impression that the warranty I purchased was the best warranty provided and that If I had any issues with anything listed under the "covered" repairs section, it would be hassle free and covered with not problem. I am under the impression that the standard of review is whether a reasonable prudent person in my situation would have relied on the expressed terms of the contract and not the ambiguous "terms of art" listed in the "additional terms" section. I did not know or understand the terms listed or the coverage limited by the additional terms section and thus I did not agree to them. The whole purpose of me purchasing the service agreement is frustrated by the additional terms section that has allowed [redacted] to deny coverage. Both service shops that I went to told me that a company should not be able to deny coverage based on a service bulletin because you look to a service bulletin for mostly ALL repairs or problems with the vehicle. As a result, the warranty would deny coverage for Most issues. The bulletin serves as assistance for mechanics and service providers to identify issues at hand. It is not a default system that contributes to vehicle complications.Furthermore, I never told a representative that I was going to switch my coverage over to a new vehicle. I inquired about a refund. The representative told me that there is no refunds after thirty (30) days period! I then asked if I wanted to buy another car, COULD the coverage be switched. I was told, "Maybe." The representative said, once I buy the new car, call them back and they will check to see if the coverage would apply to the new vehicle. There was never any discussion about a $100 transfer fee as this is the first time it has been brought to my attention. I then asked the [redacted] representative, what if the coverage I purchased for the 2010 Range Rover is too much for the new vehicle, would I be refunded the difference. The representative again with rude rhetoric stated, "there is no refunds after 30 days period" and that I needed to read my contract.

Regards,

attached are copies of 17 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 [redacted].   claims failure to respond no follow through. Tell 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 30 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 30 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

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

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.

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

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.

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.

This customer never fully paid for the warranty. Still owed 13 more payments! Please have Arthur prove he paid the full 1910.00 for the contract! He told us he was no longer paying for the contract. Then he tried to make a claim 5 months later after he never made a payment! Per his payment plan agreement he is owed nothing. This person needs serious mental help. He has called threatening employees and it will not be tolerated. This complaint is with out merit. You cannot make a legitimate complaint if you have not PAID for anything!! Just another person trying to get something for nothing. Please strike from our record! Thank you.

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.

[redacted] was not on any of the paper work! I finally traced it down!Read all the email correspondence. They own a vending company lied about what the box truck was used for and avoiding paying the proper surcharges. All they need to do is pay what they should have to begin with and future legitimate claims per the agreement will be honored. No refunds for fraud or after 30 days!!Read from the bottom up. Never spoke to [redacted], just his wife and she changed her story several times!!!You can't provide theservice that I paid for so a refund will work just fine as well.ThanksIn a message dated12/5/2014 11:59:02 A.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:Got youRevdex.com complaint. Thought you were going to stop lying and tell the truth. Willanswer them and anyone else. You have a commercial vehicle, use it forbusiness, lied when you took the coverage out, and have lied ever since. Paythe proper premium and future claims will be adjudicated properly. Next time behonest when looking for coverage both on a service contract and your autoinsurance.From: [redacted][mailto:[redacted]]Sent: Wednesday, December 03, 2014 1:53 PMTo: [redacted]@nationwidewarranties.comSubject: Re: Warranty Adjustmentokay and why all the negative feedback.. is this really legite and will work and pay my claims?In amessage dated 12/3/2014 2:49:23 P.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:It is correct. This is giving you a break and quoting it on the ori[redacted]l mileage, not the current mileage. Rates are based upon risks.Thanks,From: [redacted] [mailto:[redacted]] Sent: Wednesday, December 03, 2014 12:38 PMTo: [redacted]@nationwidewarranties.comSubject: Re: Warranty AdjustmentThat's the first time you have spoken to me like I am a human. Thanks.and premium is too high... and how do I know that premium is rated correctly? In a message dated 12/3/2014 9:59:02 A.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:Pay the proper premium, do not lie and claims will be covered in the future. You were not honest in rating the vehicle for coverage. Pay what you should and we can move forward as I stated.From: [redacted] [mailto:[redacted]] Sent: Tuesday, December 02, 2014 5:02 PMTo: [redacted]@nationwidewarranties.comSubject: Re: Warranty AdjustmentIs this [redacted]? Is this the old car sales man [redacted]? who is it. confusing. but I have read that about this company. Bullying your way out of things? won't work here.. I just wanted a repair paid for. I paid for it to be taken care of.In a message dated 12/2/2014 8:38:45 A.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:Who is [redacted] Vending? Your first claim in May was listed as that well. Oh, [redacted] Vending is you!!!! Just called your number for all your vending needs press 1. All other calls press 9 with your voice on it!! Looks like fraud to me!!! Busted!![redacted] VENDINGSee Who Viewed This Page [redacted] Corpus christi, Texas 78414###-###-####Website not availableBe the first! +Recommend Consumer Services » Automatic Merchandising Machine Operators[redacted] Corpus Christi, TX Find on map >>Show street viewOwner: VENDING C/O [redacted]Assessments for tax year: 2010A
Read more: [redacted] VENDING[redacted] DRCORPUS CHRISTI,  TX  78414-6129  |  view map ###-###-####From: [redacted] [mailto:[redacted]] Sent: Monday, December 01, 2014 5:02 PMTo: [redacted]@nationwidewarranties.comSubject: Re: Warranty Adjustmentmoving MY STUFF FROM MY UNITS.. I will have proof of that..don't worry .In a message dated 12/1/2014 5:51:50 P.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:That is not what you said on the phone. You were moving peoples storage units and renting it out for folks to move. It is a commercial vehicle. You are using itfor commercial usage, whether you have a proper business license or not. When you took out the policy you claimed no commercial usage. This is not accurate.From: [redacted] - Nationwide A&T Warranties [mailto:[email protected]]Sent: Monday, December 01, 2014 3:24 PMTo: [redacted]@nationwidewarranties.comSubject: FW: Warranty Adjustment-----Ori[redacted]l Message-----From: [redacted] [mailto:[redacted]]Sent: Monday, December 01, 2014 2:54 PMTo: [redacted]@nationwidewarranties.comSubject: Re: Warranty AdjustmentYou said it is commercial use.. it is not commercial USE..that was only 2 times where I helped someone move.. I am allowed to do it and this is just wrongIn a message dated 12/1/2014 11:49:08 A.M. Central Standard Time, [redacted]@nationwidewarranties.comwrites:[redacted],In order to properly add the commercial use on your 2004 Ford E350, you will need to pay the difference of $1,941.00.  Please contact our office to setup this payment.  Once done, we will adjust the contract and resend the new documents to you by email.  For questions, please call [redacted] ###-###-#### opt 1, and ask for [redacted].  For Payment, please call [redacted] at ###-###-####.[redacted].

Dear Ms. Glass:

We have finally received your letter dated September 5, 2014, along with the complaint filed by Mr. [redacted] concerning coverage provided by the vehicle service contract (copy enclosed) ("[redacted]") he purchased on his 2008 Land Rover Range Rover...

SC.

Ordinarily, issues about denied claims must be handled by Mr. [redacted]'s obligor namely, [redacted]. of AZ, [redacted], Avondale, AZ. However, the answer to this complaint is clearly written on the [redacted]'s front page where it states, "Holder ...agrees to maintain the covered vehicle in accordance with the manufacturer's requirement and keep all receipts...."

Except for the first receipt from [redacted], the remaining maintenance receipts (copies enclosed) submitted by Mr. [redacted] are not verifiable or authentic because: (1.) they do not have a pre-printed repair shop name and address; (2.) they do not have a pre­ printed repair invoice number; (3.) these forms submi1ted by Mr. [redacted] are generic and may be purchased at any business supply store; (4.) no parts, such as oil and oil filter, are charged out on the repair orders although they were required for the repairs listed; (5.) there is no "paid" stamp or proof of payment; and, most importantly, (6.) there is no indication that Georgia sales tax was charged or paid.

In summary, Mr. [redacted]' claim was properly denied by the administrator because proof of the required maintenance was not submitted.

If you have any remaining questions, please telephone me at ###-###-####, ext. [redacted].

Sincerely,

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.

The receipts that were supplied to the company were from a mobile mechanic that was only tasked to provide oil changes. The mechanic was convenient, reliable and  provided quality service. The 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 adequate. We 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 shop. The service that was requested by the warranty company was related to the suspension service which had no relationship to the oil changes. Their reason for denying the claim was not justified as we did provide them with the repair records that we were given. We 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,

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.

Nation wide auto and truck warranties are the ones who sold me this claim.  I do not accept this at all.  On our aggreement that they sent me it says nothing about not covering what is wrong with the truck.  There staff was exeptionally rude and used very foul language when speaking with me.  If needed I will send you the warranty that they gave me.  There is a reason that they have an "F" on the Revdex.com website. It is because they take your money and refuse to do anything when there is a claim!!

Regards,

Customer was explained everything BEFORE they purchased. Customer barraged two offices with incessant phone calls on the same issues. He was explained everything thoroughly and at the end of his payments he would be reimbursed the approved amount. He signed all the documents acknowledging that he...

understood the terms and conditions. He was informed that if he stopped making payments, he would no longer have coverage, and per the agreement he is now canceled. Sorry, but he cannot use his DR. God complex to try and intimidate my staff. His payments are stopped per his instructions.

Mr. D[redacted] has not been honest in his response. In speaking with Mr. D[redacted] over the phone on 12/4, he refused to go over the contract with me. He 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 do. I 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 clients.
I also pointed out to Mr. D[redacted] 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 way. I never altered the vehicle. The vehicle was in the same condition I purchased it when I purchased the warranty. Furthermore, 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 10 years. I trusted her and put my trust in this company. It would not have been my choice to pay any additional money. Who 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 $1000 surcharge for the suspension which indeed failed as she indicated it might. Mr. D[redacted] asked me if anyone had put a gun to my head and made me purchase the warranty or the additional coverage. I responded to that indignation with, "No, nobody did. But, I had no idea this was a company with no ethics or integrity."
Mr. D[redacted] 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 doing. In fact, two separate mechanics, along with Mr. D[redacted] and Jim (in claims) agreed that the air suspension failure is common in Range Rovers sitting on factory wheels. The 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 vehicle. He stated that if the wheels had played a part in it then the air shocks for the front and back would've needed repair. Only the front air shocks needed replacing because that's where the motor sits. If Mr. D[redacted] 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 nasty.
If Mr. D[redacted] 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 establishment. Not to mention, that Mr. D[redacted] is an extremely rude and unprofessional individual. He has no respect for his clients and is very difficult to communicate with. He indeed yells and makes inappropriate comments and I have a witness who can attest to that.
It is apparent that Mr. D[redacted] 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 means. I have already contacted the Arizona Attorney General and the Federal Trade Commission along with seeking legal consultation. I will not stop until justice prevails. No one else should ever be made prey to the faulty business practices of Nationwide Warranty or Mr. Troy D[redacted]. The F rating on this site wil hopefully be enough to deter innocent consumers looking for fair  and honest treatment.

We have finally received your letter dated July 22, 2014, along with the complaint filed by Mr. [redacted] concerning a cancellation refund for the vehicle service contract (copy enclosed) he purchased on his 2008 Land Rover Range Rover Sport SC. This matter has been discussed at great length...

with Mr. [redacted]. 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. [redacted] traded in his 2008 vehicle for another, we  offered to transfer the remaining contract coverage to the vehicle he replaced it with. That offer, though expired by time, is being reinstated at this time provided a bill of sale for the replacement vehicle is submitted within 60 days. If you have any remaining questions, please telephone me at [redacted] Sincerely, [redacted]

Enclosures (3)

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.[Provide details of why you are not satisfied with this resolution.]

Regards,

[redacted] This company is a group of liars who say one thing when selling the contract and another when it's time to collect. The contract wasn't signed until they received the first $800.00 of the offer they made. If they cannot handle inquiries about policy issues then they should close their doors. By the way he doesn't tell you of all the four letter words he used with three witnesses listening to them on speaker phone. Also 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.[redacted]