PayLink Direct

Initial Business Response /* (1000, 5, 2014/10/10) */
Contact Name and Title: ***
Contact Phone: XXX XXX XXXX
Contact Email: ***@paylinkdirect.com
Please be advised PayLink Payment Plans ('PayLink') is a payment processing company that processes payments for customers who
purchase vehicle service contracts for their automobilesPayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts
Our records indicate that on October 26, Mr*** *** purchased a vehicle service contract from *** *** *** *** *** is the selling agent and processes down payments, authorizes account cancellations, and issues customer refundsTo facilitate your request we forwarded the contents of your inquiry to RPCThey can be reached as follows:
*** *** ***
*** *** ***
*** ** XXXXX
(XXX)XXX-XXXX
According to our records, on September 19, RPC cancelled Mr***'s vehicle service contractIn accordance with contract cancellation, the automatic payment option previously established on Mr***'s account was discontinued and no further payments are due to PayLink
Please be advised that prior to September10, 2014, PayLink had no communication with Mr*** regarding his vehicle service contract or its cancellation
On September 10, 2014, Mr*** was refunded for both his July and August payments through disputes filed with his financial institution
For the aforementioned reasons, we are considering this matter resolved as it pertains to PayLinkPlease have this customer contact RPC at the number listed above if he has any further questions

Dear Sir or Madam: This letter is in response to the complaint submitted by *** ***, Revdex.com Case ***Please be advised, PayLink Direct (‘PayLink”) processes payments for customers who purchase vehicle service contracts for their automobiles. PayLink does not sell or administer
vehicle service contracts and is not a party to vehicle service contractsOur records indicate that on March 17, 2017, Ms*** purchased a vehicle service contract from Patriot Protection Shield, a third-party marketer selling vehicle service contracts on behalf of Endurance Dealer Services LLCFurthermore, our records indicate that upon receiving this complaint, PayLink had placed a hold on the account pending resolution of the matter to ensure no further payments are collected from Ms*** For any questions regarding contract cancellation or any refund owed to Ms***, please contact Patriot Protection Shield and/or Endurance Dealer Services directlyPatriot Protection Shield and Endurance Dealer Services LLC’s contact information is as follows: Patriot Protection Shield *** *** *** *** * Irvine, California *** *** Endurance Dealer Services LLC *** *** *** *** *** Northbrook, Illinois *** *** Should you have any questions concerning the above, or if we can be of further assistance, please do not hesitate to contact meSincerely, *** ***Legal Affairs Manager PayLink Direct

*** *** Please be advised, PayLink Direct processes payments for customers who purchase vehicle service contracts for their automobilesPayLink Direct does not sell or administer vehicle service contracts and is not a party to vehicle service contracts Our records indicate
that on April 7, 2016, Mr*** *** purchased a vehicle service contract from *** Auto Sales (“SAS”)SAS processes down payments, authorizes account cancellations, and issues customer refunds To facilitate your request, we forwarded the contents of your inquiry to SASThey can be reached as follows: *** Auto Sales *** * *** *** *** * Roanoke, IN (*** *** On July 19, 2017, PayLink was notified of cancellation of Mr*** vehicle service contractIn accordance with contract cancellation, PayLink discontinued the automatic payment option previously established on Mr*** account SAS has advised PayLink that on September 19, 2017, Mr*** was issued a refund check of $in accordance with the cancellation of his vehicle service contract (Check No: ***If Mr*** has questions regarding his refund or the cancellation of his service contract, he should follow up with SAS as indicated above For the aforementioned reasons, we are considering this matter resolved as it pertains to PayLink Direct

Initial Business Response /* (1000, 5, 2014/04/24) */
Contact Name and Title: *** ***
Contact Phone: ***
Contact Email: ***@paylinkdirect.com
Please be advised, PayLink Payment Plans ("PayLink") is a payment processing company that processes payments for customers
who purchase vehicle service contracts for their automobilesPayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts
Our records indicate that on *** 25, 2012, Ms*** *** purchased a vehicle service contract from *** *** of *** ("VPOA")VPOA is the selling agent for claims administrator *** *** *** ("EFG")VPOA processes down payments, authorizes account cancellation, and issues customer refundsEFG makes all decisions regarding customer claims for vehicle repair and authorizes all customer account reinstatementsTo facilitate your request, we forwarded the contents of your inquiry to these companiesThey can be reached as follows:
*** *** of ***
*** *** *** *** ***
*** *** ** XXXXX
(XXX) XXX-XXXX
Enterprise Financial Group
W Carpenter Freeway, Sixth Floor
Irving, TX XXXXX
(XXX) XXX-XXXX
According to our records, on December 24, Ms***'s account cancelled due to nonpaymentAt the time of cancellation, two (2) payments were outstanding on Ms***'s accountIn accordance with contract cancellation, no further payments are due to PayLink
Please see enclosed for a copy of the notices sent to Ms*** via mail and email advising of the status of her accountSummary details below
- 11/25/13: Ms***'s account cancelled due to nonpayment
- 11/27/13: PayLink reinstated Ms***'s account after receiving her October payment
- 12/04/13: PayLink sent Ms*** a past due notice
- 12/26/13: Ms***'s account re-cancelled due to non-receipt of her November and December payments
- 01/13/14: PayLink received Ms***'s November paymentVPOA attempted to contact Ms*** to complete her account reinstatement.*
- 02/04/14: PayLink refunded Ms*** her 1/payment after not being able to reach her for the remaining payment due on her account
- 02/25/14: Ms*** cashed the refund check issued by PayLink
*Please Note: After receiving Ms***'s 1/payment, VPOA attempted to reach Ms***, but was unable to contact her or leave a voicemail due to her voice-messaging system being full and not accepting new messages
At this time, we have been advised by EFG that the account is ineligible for reinstatementAs a courtesy to this customer, VPOA has indicated they are willing to work with Ms*** to transfer her policy into a new coverage plan
For the aforementioned reasons, we are considering this matter resolved as it pertains to PayLinkPlease have Ms*** follow up with VPOA and/or EFG if she has any further questions
Initial Consumer Rebuttal /* (2000, 7, 2014/04/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
im not happy with the answer but I do accept it and will try to contact the listed ppl to reinstate the account

*** ***Please be advised, PayLink Payment Plans
(“PayLink”) processes payments for customers who purchase vehicle service
contracts for their automobilesPayLink does not sell or administer vehicle
service contracts and is not a party to vehicle service contracts.PayLink’s records indicate
that on February
25, *** *** *** *** purchased a vehicle service contract from
*** *** (“**”)** sells vehicle service contracts, processes down payments,
oversees contract distribution, authorizes account cancellation, and issues
customer refunds** has indicated that *** *** vehicle
service contract was cancelled effective November 23, and that a pro rata
refund was issued by ** to *** *** on November 25, In accordance with the cancellation of *** *** vehicle service contract, no further payments are due to PayLink and
PayLink will make no further efforts to process any such paymentsFor the aforementioned reasons, we are
considering this matter closed as it pertains to PayLink

*** *** Please be advised, PayLink Direct processes payments for customers who purchase vehicle service contracts for their automobilesPayLink Direct does not sell or administer vehicle service contracts and is not a party to vehicle service contracts Our records indicate
that Ms*** *** purchased a vehicle service contract from Carsure (“CS”) on March 11, CS processes down payments, authorizes account cancellations, and issues customer refunds To facilitate your request, we forwarded the contents of your inquiry to CSThey can be reached as follows: *** *** *** *** *** *** StAnn, MO *** *** As of May 5, 2017, CS has canceled Ms*** service contractCS informed PayLink that a full refund has been issued in one check for $390.73: Ms*** down payment of $and her first installment of $The check will be sent out on or about June 23, Please allow 7-days for processing and mailing time Please have MsHimes follow up with CS directly if she has any further questions regarding her refund or the cancellation of her service contract For these reasons, we are considering this matter resolved as it pertains to PayLink Direct

Initial Business Response /* (1000, 5, 2014/08/22) */
Please be advised, PayLink Payment Plans ("PayLink") is a payment processing company that processes payments for customers who purchase vehicle service contracts for their automobilesPayLink does not sell or administer vehicle service
contracts and is not a party to vehicle service contracts
Our records indicate that on March 21, 2014, Mr*** *** purchased a vehicle service contract from *** *** *** *** ("TKAG")TKAG is the selling agent and processes down payments, authorizes account cancellation, and issues customer refunds*** *** *** ("EFG") is the claims administrator and makes all decisions regarding customer claims for vehicle repairTo facilitate your request, we forwarded the contents of your inquiry to *** and *** They can be reached as follows:
*** *** *** ***
*** ** *** ***
*** *** ** XXXXX
(XXX) XXX-XXXX
*** *** ***
*** W *** *** *** Floor
***, TX XXXXX
(XXX) XXX-XXXX
On August 12, 2014, Mr*** contacted PayLink regarding a claims issue and not being able to reach his claims administrator, EFGPayLink provided Mr*** with EFG's contact information and has had no further communication with Mr*** since
EFG has advised us that Mr***'s claim is pending response from his repair shop regarding acceptance of a replacement partIf Mr*** would like to move forward with his claim, he should have his repair shop contact EFG as indicated above as timely as possible
At this time, Mr***'s policy is activeIf he would like to request cancellation and/or refund of his account, he should follow the cancellation procedures outlined on pages 11-of the attached policy
For the aforementioned reasons, we are considering this matter resolved as it pertains to PayLinkPlease have this customer contact *** or *** as indicated above is he has any further questions regarding his vehicle service contract

I called last week and tried to cancel this service and thought it was cancelled but Today (01-25-2016) I received a bill for the service , so I called and tried to cancel again but the man I talked to would not listen to me and kept trying to get me to renew the service and I had to yell at him to Cancel the service and he kept talking and still would not listen so I told him to Cancel the service again but he kept trying to get me to renew and would not hear anything else so I yelled to cancel I Do Not Want the Service and Hung Up and He Called me seconds Later from *** at 3:19pm on Jan and tried to get me to renew again so I Hung UpI Do Not Appreciate being Harassed about their service and still do not Know If They have Cancelled the Service or have they just ignored me and will they send another Bill

Dear Sir or Madam: This letter is in response to the complaint submitted by *** *** Revdex.com Case ***Please be advised, *** Direct (‘PayLink”) processes payments for customers who purchase vehicle service contracts for their automobiles. *** does not sell or administer vehicle
service contracts and is not a party to vehicle service contractsOur records indicate that on September 5, 2017, Mr*** purchased a vehicle service contract from ** Auto Protection, a third-party marketer selling vehicle service contracts on behalf of *** Administration ServicesFor any questions regarding the denied claim, contract cancellation or any refund owed to Mr***, please contact ** Auto Protection and/or *** Administration Services directly** Auto Protection and *** Administration Service’s contact information is as follows: ** Auto Protection *** *** *** *** *** Wilmington, Delaware *** *** *** Administration Services ** *** *** *** * Hanover, Massachusetts Should you have any questions concerning the above, or if we can be of further assistance, please do not hesitate to contact meSincerely, *** *** Legal Affairs Manager PayLink Direct

Initial Business Response /* (1000, 5, 2015/06/04) */
Contact Name and Title: ** ***
Contact Phone: ***
Contact Email: ***@paylinkdirect.com
Please be advised, PayLink Payment Plans ("PayLink") processes payments for customers who purchase vehicle service contracts
for their automobilesPayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts
Our records indicate Mr*** *** purchased a vehicle service contract from Vehicle Protection Center ("VPC")VPC is the selling agent and processes down payments, authorizes account cancellation, and issues customer refundsTo facilitate your request, we forwarded the contents of your inquiry to VPCThey can be reached as follows:
Vehicle Protection Center
Mid Rivers Mall Drive
StPeters, MO
(XXX) XXX-XXXX
According to our records, on May 22, 2015, Mr*** contacted PayLink to request cancellation of his accountAt that time, PayLink discontinued the automatic payment option previously established and referred him to his sales agent VPC for further assistance
At this time, Mr***'s vehicle service contract is cancelledIn accordance with contract cancellation no further payments are due to PayLink on Mr***'s account
As a courtesy and on behalf of VPC, PayLink issued Mr*** a refund of his April 13th payment of $to his *** ending in *** Please allow 2-days for processing timeAdditionally, VPC has advised they are processing a prorata refund for Mr*** in accordance with his contract's cancellation proceduresPlease have Mr*** contact VPC directly if he has any questions
For the aforementioned reasons, we are considering this matter resolved as it pertains to PayLinkPlease have this customer contact VPC as indicated above is he has any further questions regarding his vehicle service contract

[redacted]   Please be advised, [redacted] Direct processes payments for customers who purchase vehicle service contracts for their automobiles. [redacted] Direct does not sell or administer vehicle service contracts and is not a party to vehicle service contracts.   Our records...

indicate that Ms. [redacted] purchased a vehicle service contract from Integrity Protection Group (“IPG”) on August 21, 2017. IPG sells vehicle service contracts, processes down payments for such sales, authorizes account cancellations and issues customer refunds where applicable.   To facilitate the resolution of Ms. [redacted] complaint, we forwarded the contents of her inquiry to IPG. They can be reached as follows:   Integrity Protection Group [redacted] Auburn, CA 95602 [redacted]
  Ms. [redacted] contacted [redacted] on September 21, 2017 regarding her policy and was directed to IPG for more information about the coverage. Based on what we assume were subsequent conversations between Ms. [redacted] and IPG, Ms. [redacted] service contract was cancelled that same day.   IPG has informed [redacted] that Ms. [redacted] down payment of $150.00 and installment payment of $136.44 have both been refunded back to Ms. [redacted] via her [redacted] ending in xx[redacted] This process began on September 26, 2017 but may take as many as 3-5 business days for processing.   For these reasons, we believe that [redacted] and IPG were both responsive, and in a timely manner, to Ms. [redacted] concerns.  Please have Ms. [redacted] follow up with IPG directly if she has any further questions regarding her refund or the cancellation of her service contract.   For these reasons, we are considering this matter resolved as it pertains to [redacted] Direct.

Please be advised that in the normal course of business, PayLink is not a party to the vehicle service contract and is not involved in the cancellation and refund process for the customer’s vehicle service contract.   In this instance, as a courtesy to Mr. [redacted] and his employer who had sold him the service contract, PayLink attempted to facilitate the process for the service contract administrator’s payment of the refund to Mr. [redacted].  Unfortunately, that process was lengthier than the parties expected.  PayLink has apologized to Mr. [redacted] for this delay and is pleased to note that Mr. [redacted] has now received the full amount of the refund due to him from the administrator.   If Mr. [redacted] has any further questions regarding the refund associated with the cancellation of his vehicle service contract, he should contact the administrator of his service contact.  The administrator is [redacted] Warranty Services and its contact information is below for Mr. [redacted]’s convenience:   [redacted] Warranty Services [redacted] Grapevine, TX 76051 ([redacted]   For these reasons, we are considering this matter resolved as it pertains to PayLink.

[redacted] Please be advised, PayLink Direct processes payments for customers who purchase vehicle service contracts for their automobiles.  PayLink Direct does not sell or administer vehicle service contracts and is not a party to vehicle service contracts. Our records indicate that Ms....

[redacted] purchased a vehicle service contract from Integrity Protection Group (“IPG”) on January 15, 2015. IPG processes down payments, authorizes account cancellations, and issues customer refunds. To facilitate your request, we forwarded the contents of your inquiry to IPG. They can be reached as follows: Integrity Protection Group [redacted] In response to this Revdex.com inquiry, IPG has agreed to discount Ms. [redacted] contract per Ms. [redacted] request to keep her coverage in effect. Please have Ms. [redacted] follow up with IPG directly if she has any further questions regarding her contract. For these reasons, we are considering this matter resolved as it pertains to PayLink Direct. Tell us why here...

[redacted]   Please be advised, PayLink Direct processes payments for customers who purchase vehicle service contracts for their automobiles.  PayLink Direct does not sell or administer vehicle service contracts and is not a party to vehicle service contracts.   In the ordinary...

course of business, PayLink Payment Plans does not engage in collection efforts or provide customer reporting to consumer credit bureaus or other reporting entities on behalf of itself or its clients.   Our records indicate that Ms. [redacted] purchased a vehicle service contract from [redacted] (“UAD”) on January 9, 2015. UAD processes down payments, authorizes account cancellations, and issues customer refunds.   To facilitate your request, we forwarded the contents of your inquiry to UAD. They can be reached as follows:   [redacted]   On April 6, 2016, Ms. [redacted] contacted PayLink Direct regarding her vehicle service contract and payment plan agreement. At that time Ms. [redacted] requested cancellation of her account and PayLink Direct discontinued the automatic payment option. No further payments have been or will be processed by PayLink Direct. [redacted] has indicated that they received the customer’s cancellation documentation, and are currently finalizing the cancellation along with the customer’s pro-rata refund and that Ms. [redacted] should soon receive the refund.   If Ms. [redacted] has any further questions regarding the status of her cancellation or refund, she should contact [redacted] directly as indicated above.   For these reasons, we are considering this matter resolved as it pertains to PayLink Direct.

Initial Business Response /* (1000, 5, 2015/10/23) */
Please be advised, PayLink Payment Plans, ("PayLink") processes payments for customers who purchase vehicle service contracts for their automobiles. PayLink does not sell or administer vehicle service contracts and is not a party to vehicle...

service contracts.
Our records indicate that Ms. [redacted] purchased two (2) vehicle service contracts from [redacted] ("USDS"). One for her 2003 Pontiac Vibe and one for her 2012 Mitsubishi Outlander. USDS processes down payments, authorizes account cancellation, and issues customer refunds. [redacted] - [redacted] is the claims administrator and makes all decisions regarding customer claims for vehicle repair. To facilitate your request, we forwarded the contents of your inquiry to [redacted] and [redacted] - [redacted] Services. They can be reached as follows:
[redacted]
[redacted] Ave
[redacted] XXXXX
(XXX) XXX-XXXX
[redacted] - [redacted]
[redacted] Ave
[redacted] XXXXX
(XXX) XXX-XXXX
Please be advised that in the normal course of business, PayLink is not a party to the cancellation and refund process of a customer's vehicle service contract. As a courtesy to this customer, however, PayLink has coordinated cancellation and refund of her accounts with USDS.
At this time, [redacted] has indicated that both of Ms. [redacted]'s vehicle service contracts are cancelled and refunded per her request. In accordance with contract cancellation, no further payments are due to PayLink or will be processed by PayLink on Ms. [redacted]'s accounts. Refund details are below.
2003 Pontiac Vibe - Refund Details:
Date - Amount - Issued by - Method
09/03/15 - $263.00 - [redacted] - CC ending in [redacted]
10/12/15 - $659.19 - [redacted] - Check# [redacted]
2012 Mitsubishi Outlander - Refund Details:
Date - Amount - Issued by - Method
10/23/15 - $276.00 - [redacted] - CC ending in [redacted]
10/22/15 - $190.08 - PayLink on behalf of [redacted] - CC ending in [redacted]
For the aforementioned reasons, we are considering this matter closed as it pertains to PayLink. If Ms. [redacted] has further questions regarding her vehicle service contracts or her refund, she should contact [redacted] as indicated above.

Dear Sir or Madam: This letter is in response to the complaint submitted by [redacted], Revdex.com Case #[redacted]. PayLink Direct (“PayLink”) is a payment plan provider for vehicle service contracts.  As a payment plan provider, we are not involved with anything related to the payment or denial of...

claims, refunds to the customer, the sale or cancellation of the vehicle service contract or anything else related to the vehicle service contract itself.  We handle the billing and collection of monthly payments on behalf of sellers and administrators of vehicle service contracts. We do not have a record of Mr. [redacted] in our billing system.  We would appreciate it if Mr. [redacted] would provide us with his policy number or PayLink account number. Should you have any questions concerning the above, or if we can be of further assistance, please do not hesitate to contact me. Sincerely, [redacted] Legal Affairs Manager PayLink Direct

[redacted]
Please be advised, PayLink Payment Plans, (“PayLink”) processes payments for customers who purchase vehicle service contracts for their automobiles. PayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts.   Our records...

indicate on January 8, 2016, Ms. [redacted] purchased a vehicle service contract from Repair Defense Network (“RDN”).  RDN processes down payments, authorizes account cancellation, and issues customer refunds.  To facilitate your request, we forwarded the contents of your inquiry to RDN. They can be reached as follows:   Repair Defense Network [redacted]   RDN has advised PayLink that on October 17, 2016, RDN was in contact with Ms. [redacted] and has agreed to defer Ms. [redacted] November payment to the end of the contracting period. If Ms. [redacted] has questions regarding her vehicle service contract, she should contact RDN as indicated above.   For these reasons, we are considering this matter closed as it pertains to PayLink. Please have Ms. [redacted] follow up with PayLink directly if he has any further questions or concerns.

[redacted]   Please be advised, PayLink Payment Plans, (“PayLink”) processes payments for customers who purchase vehicle service contracts for their automobiles. PayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts.   Our records...

indicate on April 4, 2016, Ms. [redacted] purchased a vehicle service contract from Endurance Direct ([redacted]). ** processes down payments, authorizes account cancellation, and issues customer refunds. To facilitate your request, we forwarded the contents of your inquiry to **. They can be reached as follows:   Endurance Direct Attn: [redacted]   As a courtesy to Ms. [redacted] PayLink has reached out to ** for a resolution. ** has cancelled Ms. [redacted] vehicle service contract. Please have Ms. [redacted] (pursuant to her Power of Attorney) contact ** to provide the mileage that was on Ms. [redacted] car before it was sold for ** to issue a pro-rated refund consistent with the terms of Ms. [redacted] vehicle service contract. [redacted] contact information is as listed above.   For these reasons, we are considering this matter closed as it pertains to PayLink. Please have Ms. [redacted] daughter (pursuant to her Power of Attorney) follow up with ** directly if she has any further questions or concerns in regards to the issuance of Ms. [redacted] refund.

[redacted]   Please be advised, PayLink Payment Plans (“PayLink”) processes payments for customers who purchase vehicle service contracts for their automobiles. PayLink does not sell or administer vehicle service contracts and is not a party to vehicle service contracts.  ...

PayLink’s records indicate that on January 6, 2016, Ms. [redacted] purchased a vehicle service contract from Express Protect (“EP”). EP sells vehicle service contracts, processes down payments, oversees contract distribution, authorizes account cancellation, and issues customer refunds. To facilitate a resolution to Ms. [redacted] inquiry, we forwarded the contents of her complaint to EP. EP can be reached as follows:   Express Protect LLC [redacted]   Ms[redacted] has not previously contacted PayLink regarding her vehicle service contract or any related concerns.  As a courtesy to Ms. [redacted] PayLink has been in contact with EP in an effort to resolve her concerns and EP informs PayLink that it has engaged Ms[redacted] on the issues she has raised.   According to EP, it has cancelled Ms. [redacted] vehicle service contract and will issue her a pro-rated refund consistent with the terms of her vehicle service contract. Please follow up with EP regarding any other details pertaining to the vehicle service contract. In addition, PayLink will issue Ms[redacted] a refund of her payment processed by PayLink on July 6, 2016.    For these reasons, we are considering this matter resolved as it pertains to PayLink.

Dear Sir or Madam: This letter is in response to the complaint submitted by [redacted], Revdex.com Case [redacted]. PayLink Direct (“PayLink”) is a payment plan provider for vehicle service contracts.  As a payment plan provider, we are not involved with anything related to the payment or denial...

of claims, refunds to the customer, the sale or cancellation of the vehicle service contract or anything else related to the vehicle service contract itself.  We strictly handle the billing and collection of monthly payments on behalf of sellers and administrators of vehicle service contracts. We do not have a record of [redacted] in our billing system.  We would appreciate it if [redacted] would provide us with her policy number or PayLink account number. Should you have any questions concerning the above, or if we can be of further assistance, please do not hesitate to contact me. Sincerely, [redacted] Contract and Compliance Specialist