OwnerGUARD Corp

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.
It does not satisfy me because AmeriPlus failed to ask South Tacoma Auto how many times I have previously brought the car in prior to beinging it in in August. I also was never mailed a copy of the contract nor provided with one. I previously stated the amount of times I brought my car in and I have paperwork from South Tacoma Auto proving it and of all the diagnostics done not one of them stated anything with lack of lubrication or low oil. 
 
Regards,
[redacted]

---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Tue, Feb 10, 2015 at 1:59 PMSubject: RE: You have a new message from your Revdex.com regarding complaint #[redacted]To: "[redacted]>To Whom It May Concern: This email will...

respond to your inquiry of February 5, 2015. Mr. [redacted] purchased the Guaranteed Asset Protection (GAP) Waiver (Waiver), [redacted]) from KB Auto Emporium Inc (Dealer) in connection with the purchase of his 2004 Chrysler Town & Country and financing arrangement with USAA. The Contract purchased by Mr. [redacted] is a complete agreement between the consumer and dealer/lender and stands on its own, whether or not the dealer/lender have protected themselves through any kind of insurance program. OwnerGUARD is not a party to the agreement but is the administrator of the program. The request to process [redacted]’s cancellation was honored by OwnerGUARD and a refund check in the amount of $27.32 was issued by OwnerGUARD, for our portion of the refund amount to the Dealer. The refund calculation was based on the Rule of 78ths formula. Under the Rule, eachmonth in the Contract is assigned a value. As the months elapse, the cost of theContract is earned equal to the total value of the expired months. Mr. [redacted]’s Contracteffective date was June 18, 2014 cancelled December 5, 2014, earning 5.67 months. Therefund factor of 0.780892 is calculated by first calculating a term (48 months) factorwhich is then divided by the earned or in-force factor. The refund factor (0.780892) isthen applied to the $395 original cost of the Contract. Or, $258.45 refund to consumer. The Dealer, an independent contractor of the GAP program would add their portion of the refund amount to the consumer. Attached is a copy the front and back of our cancellation refund check that was negotiated by the Dealer on January 21, 2015, as well as the cancellation refund breakdown. In response to your inquiry, we contacted the Dealer. On February 10, 2015, [redacted] at the Dealer advised that she spoke with Mr. [redacted] and had issued a refund check to him in the amount of $258.45. We believe this properly responds to your inquiry. However, if there are any further questions or concerns, please feel free to contact me directly at [redacted].€Regards,€€€[redacted]Manager

[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.
Regards,
[redacted] 
 
this response doesnt say why my claim was denied.furthermore the attached rules they sent me were not given to me when I bought this service contract.it clearly states that engine p[redacted]s are covered up to $3000.the work being done now is less than $2000 according to my mechanic..yes in the past they did pay $2000 for my trucks tranny..but it was hard to get them to pay!. My truck sat over 1 month at tranny shop.im not stupid.they are thinking bec.they paid for my tranny,the same cost that I paid for this warranty/serv.agreement now they dont have to pay anything else.are you kidding me?why does anyone pay for a serv.plan?bec.sometimes cost to fix things are expensive!this is the case here.I guess they figure that people buy into their product and never use it.thats how ins./warranty places make their money.well thats not what the law says.pay up,like I did when I bought into your policy.if I would have known the kind of business you run there I never would have bought it.shame on you people.ive seen many complaints about ownerguad corp.its not even funny.ownerguard what a joke,and ironic name isnt it?...I spoke with blue rhino motors where I bought my truck and they told me they quit doing business and selling your so called service contracts bec.of your attitude towards them and your customers!!!...now ill have to seek legal help to try and extract payment...

This is in response to Ms. [redacted] complaint filed with the Revdex.com.  The records indicate that Ms. [redacted] purchased a 60/100k limited Pre-Owned limited contract (the “contract”) on 1/24/14 with 77,667 miles for her 2010 Chevrolet Equinox, Vin# [redacted].   The contract...

provides repair for the failure of those parts listed in the schedule of coverages pursuant to the terms and conditions of the contract.  Under those specific terms and conditions, the contract does not provide any coverage to the vehicle under the circumstances set forth below. Our review of the file indicates that the transmission claim was denied because the customer failed to submit a copy of the transmission service record at 100K miles in order to verify that service had been performed according to the manufacturer.  The vehicle service contract states the following under “YOUR RESPONSIBILITES”: In order for You to receive benefits under the Terms of this Service Contract, You are required to maintain Your Vehicle according to the manufacturer’s recommended service schedule, as shown in Your Vehicle’s owner’s manual. All maintenance on Your Vehicle must be performed by a licensed repair facility. You must keep verifiable repair facility receipts and work orders indicating the date, mileage and service performed. Failure to have the required maintenance performed and/or failure to provide verifiable receipts when requested may result in denial of coverage. It is Your responsibility to have any non-covered repairs or maintenance performed at the time it is recommended. (Emphasis added) Since Ms. [redacted]ailed to provide the 100K transmission service record confirming the manufacturers’ maintenance schedule had been followed, the claim was denied. Thank you.

Consumer paid off the loan per the documents on 5/18/2017. The contract expired by time of 42 months from 10/14/2013 on 4/14/2017 a total of 1277 days in force. The cancellation request effective date of 5/18/2017  is 35 days after the expiration date of the contract -  the contract was...

fully earned on 4/14/2017. The total cost to the consumer was $495.00 per the contract copy.  Tell us why here...

To Whom It May Concern:We believe our previous two responses properly addressed Mr. [redacted]'s concerns and fully explained how the total loss gap benefit was adjudicated in accordance with the Gap waiver language. However, there is one correction to our previous response. This Gap waiver purchased by Mr. [redacted] was a web site generated waiver that [redacted] Inc would have had to print and then have Mr. [redacted] sign. Because the waiver was printed there would have been a separate page recording the terms and conditions. Mr. [redacted]'s signature on the Gap waiver application page provided with this complaint acknowledges that he read and understood all of the provisions of the Gap waiver.  Please review the bottom of the Gap waiver provided in this complaint by Mr. [redacted], where it records" Administrator- White", "Holder-Yellow", "Dealer-Pink" and "Consumer-White". It is the selling dealer's responsibility to provide a signed copy of the Gap waiver to the Administrator, Lender, Consumer and keep a copy for their records. The copy of the Gap waiver provided to Mr. [redacted] by [redacted] Inc should also have included the page with the terms and conditions of the Gap waiver that his signature acknowledged he read and understood. If [redacted] Inc failed to provide Mr. [redacted] with the terms and conditions page, we ask that he return to [redacted] Inc for resolution.Please note that our company serves as the administrator of the Guaranteed Asset Protection (GAP) Waiver and is not at liberty to waive the terms and conditions set forth in the document executed and agreed to by [redacted] Ins, [redacted] Dealer Services and Mr. [redacted].  Regards,[redacted]Director of Claims