The Penn Warranty Corporation

Dear [redacted] ,? ? I have reviewed [redacted] 's rejection to our response and our position remains the same? However we will off the additional amount of $1,for the claim limit of $2,as stated in the contract agreement? Please note that we are not accepting liability for this additional amount but making this offer to see if it can be amicably resolved through your agency? If acceptable please have [redacted] forward a paid invoice for the repair and the amount of $will be paid through the claims department and the amount of $1,will by paid through my department by separate check.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Thank you for your time,? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Gale [redacted] M [redacted]

Dear ** [redacted] , In response to [redacted] ***'s rejection, the claim is being reopened and authorized per the contract termsOur position has been detailed in this matter and has not changed, however the claim is being authorized as a goodwill effort through your office [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] ? Complaint: [redacted] I am rejecting this response because: Regards, [redacted] As I said this company is a scam!!!!!

Dear Ms [redacted] , Upon review, this complaint was also submitted to our Dispute Settlement Department and they agreed to send the requested refund of the contract price of $to Ms***This payment was mailed to Ms [redacted] on 2/18/ Thank you for your time Gale T M [redacted]

I have received the above referenced complaintUpon review of our file [redacted] [redacted] pertaining to a [redacted] in which [redacted] is the contract holder called in a claim on December 10, The shop stated the vehicle wouldn’t shift out of first gearWe instructed them to obtain the owners permission to have it torn down and diagnosed to show the complete and necessary repairUpon investigation the necessary repair was that of the electronic shift moduleThis part is a non covered component under the service contract agreement and the claim was then closedThe contract covers specific components listed as stated under Section I: “ WHAT THIS SERVICE CONTRACT COVERS Coverage - During the Service Contract Period We will pay a Repair Facility, or at Our option, reimburse You the Cost to remedy any Breakdown of the parts listed below, less Per OccurrenceParts not listed are not covered by this Service Contract.” The contract also states on Page 1: “Only the components listed in the above systems are covered by this Service ContractNo other components, other than those listed above under “What This Service Contract Covers”, are covered by this Service Contract.” The electronic shift module is not listed; therefore, a non-covered component under the contract agreementThis item is not internal to the transmission, an external transmission sensor nor the transmission control moduleThe electronic shift module is located in the actual shifter assembly and is not part of the transmissionAs to the request for a refund, the contract under VGeneral Provisions number specifically states a percent refund of the Service Contract will be made less any claims paid within days of the Service Contract Purchase DateThe service contract was purchased on April 11, 2014, thus exceeding the allotted days denying refundFurther, New York State Law “ISC Article § 7903(e) Service contracts shall require every provider to permit the service contract holder to return the contract within at least twenty days of the date of mailing of the service contract or within at least days if the service contract is delivered at time of sale.” Our contract states days which is greater than NY law, since this time period has passed, no refund will be grantedThere are no general provisions in the contract agreement granting any pro rated refunds, therefore none will be grantedSincerely, THE PENN WARRANTY CORPORATION Gale TM [redacted] Corporate Attorney

November 20, Dear [redacted] : I have received the above referenced complaintA claim was called in on November 2, by [redacted] Cookeville pertaining to the engine of [redacted] ***‘s [redacted] We instructed the service center to obtain the owner’s permission to have it torn down and diagnosed to show the complete and necessary repairWe then received an estimate for replacement of the cylinder head and an inspection was then made by an independent inspector to verify the shop’s diagnosis.The inspector verified the driver’s side cam shaft is scored and seized in the cam bearings breaking all of the cam caps from lake of lubeThe cam lobes are dry and show delimitation and scoring with the front and rear journals dry and have heavy metal transfer from lack of lubrication and continued operationThe cause of failure was a lake of lubrication to the left bank cylinder head with damage to the head and cam shaft and all cam bearing caps from continued operationBased on these findings the claim was then denied as per the terms of the contract agreementThe contract specifically states under section III WHAT THIS SERVICE CONTRACT DOES NOT COVER, Paragraph #7, FOR ANY BREAKDOWN CAUSED BY CONTAMINATION, OVERHEATING, LACK OF COOLANT OR LUBRICANTSIt further states under number of said section, “FOR ADDITIONAL LOSS OR DAMAGE WITH IS OCCASIONED BY YOU OR OPERATOR‘S FAILURE TO USE ALL REASONABLE PRECAUTIONS TO PROTECT THE VEHICLE FROM ANY FURTHER LOSS OR DAMAGE AFTER A BREAKDOWN OR FAILURE HAS OCCURRED OR BEEN INDICATED.” In addition, the service contract also states a responsibility of the service contract holder is to prevent further damageThis is noted under section IVYour Responsibilities, number 1., Prevent Further, Damage, “You are responsible for observing Your Vehicle warning lights and gauges, and taking appropriate action immediately to prevent further damageFailure to do so may result in the denial of the limitation of coverage.“ Upon review we will offer $2,for this repairThis would consist of a used cylinder head for $and [redacted] gaskets & bolts for $The labor would take hours as pursuant to the [redacted] Labor Guide, at the contract rate of $75/hour for a total labor of $1,These amounts minus the $per occurrence fee is the amount that we would have authorized had the failures to these parts were verifiedPlease not we are not accepting liability for this repair but making this offer to see if it can be amicably resolved through tour agencyThank you for your time and attention and if you have any questions or comments please do not hesitate to contact meSincerely, Gale *M [redacted] Corporate Attorney

Dear Ms [redacted] ,? ? ? In response to Mr [redacted] 's rejection our position remains the same as stated earlier? There are no pictures of "parts of broken valves"? I have sent the pictures of all the valves and there was no damage to any of them? I have detailed our position time and time again and have nothing further to add.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Gale TM [redacted]

Dear ** [redacted] , In response to ** [redacted] 's rejection our position remains the same a stated earlier We did authorize the repair per the contract terms for a used transmission It seems the shop want to rebuild the transmissoin at a much grearter price Again my earlier correspondence details our position and we do not just pay what the shop wants as requested by ** [redacted] [redacted]

Penn Warranty Is a Scam compThey never pay what there sapose to and always say they found the part cheeper somewhere else but never do anything for the customer or shop to expedite TOTAL RIP OFF NEVER BUY ANYTHING FROM THEM

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:Their policy does not take into account repairs that would have been covered under warranty when a situation arises that precludes prior authorization for the repairs Regards, [redacted] ***

September 4, 2015Dear [redacted] :I have received the above referenced complaintFrom review of our file a claim was called in on August 20, by [redacted] Transmission Center pertaining to the transmission of [redacted] ’s [redacted] On that date an adjuster was assigned to this matter, and verified with center vehicle/customer information, claims procedures, and tear down requirementsThe vehicle was then inspected by an independent inspector to verify the shop’s diagnosis and to determine a cause of failureThe inspector found no obvious failure to any componentsThe torque converter appears slightly blued, poured fluid out of it and there was no metal in the fluidThere is no metal found anywhere in the pan or systemThe fluid is good and has no metalThere are no leaks and no codesThe clutches are good for milesThere is no metal found on the valve body and there is no intermix in the transmissionHe then noted that were no failed parts shown to the transmission.No covered component failure was found to be defective or worn beyond service limitsIn order for reimbursement to be made, the terms of this contract must be metThe terms and conditions of the contract regarding reimbursement for a covered component failure states under the definition: ““Breakdown” means the failure of any original or like replacement part covered by this Service Contract to perform it intended function(s) in service, including worn beyond service limits, providing it has received all scheduled maintenance as recommended by the manufacturer in the Owners Manual.” There were no such failures found to the transmission.The inspector also found that the vehicle had modifications of oversized tires, air filter and cold air intakeThe tires on the vehicle are size 285x75xThe manufacturer’s requirements calls for the tire size of 235x75xBased on these findings the contract was then canceled due to these alterations and a refund of the contract was forwarded to the lien holder, Navy Federal Credit Union as stated in the contract agreement.The contract agreement states under VGENERAL PROVISIONS, Number 7, "Cancellation By Us - We may cancel this Service Contract for any reason within ninety (90)days of the Service Contract Purchase Date or any time with just cause (unless otherwise as indicated by Your state, within the State Amendment section), including:• If there has been a material misrepresentation or fraud; • If You have failed to maintain Your Vehicle as prescribed by the manufacturer..." Had our corporation been notified of the alterations the contract would have been rejected.Thank you for your time and attention and if you have any questions or comments please do not hesitate to contact me.Sincerely, THE PENN WARRANTY CORPORATION? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Gale *M [redacted]

Dear [redacted] , There was no rejection attached to the response only the original complaint Gale [redacted] M [redacted]

Dear [redacted] , In response to MrCorley's rejection our position remains the same as stated earlier As to the additional claim please see the attached correspondence Gale * M [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:I have spoken to a mechanic other than the one that had Serviced my car and had asked him under what circumstances could a brake line failHis response Was it could burst from rust or corrosion,( most likely) manufactures defect ,not very likely,or vandalism None of which is covered under this policyWhat I am gathering is that brake lines are not covered at all Although the policy clearly states that they areI have read many other complaints that are similar to mine In which things that were supposedly covered were not covered , it seemed that there are loopholes in the Contract that allows penn to never pay a claimBasically this contract is not worth the paper it is printed On it appears to be a total scam Regards, [redacted]

March 14, Dear [redacted] , I have received [redacted] ’s complaint and have reviewed her fileThe service contract she purchased is owned by [redacted] Insurance Company from the state of FloridaWe are the administrator only and not responsible for any paymentsWe did receive a request for a refund due to the vehicle being totaledAlthough [redacted] is under not legal obligation to provide a pro rated refund one was sent to the lien holder on the vehicle, [redacted] This amount was $402.75, which included a 10% cancellation, and was sent on March 2, The contract was for months and had months remaining when the vehicle became totaledThe contract price was $2,and [redacted] received $The remaining balance of $1,was retained by the selling dealer, Starmax Finance Inc and they are responsible for any additional pro rated refund of $A correspondence was sent to them detailing the refund and to make payments to the lien holder.As to the authorized claim that has been canceled and had no effect on the amount that was pro rated and paidUpon review if you have any questions or comments please do not hesitate to contact meSincerely, Gale [redacted] M [redacted] Corporate Attorney

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and while I would like full payment for the entire amount, in order to bring this to? resolution I will accept the $2,reimbursement Attached is the? paid invoice and charge card statements (Bill paid in cash and credit card).? Regards, [redacted]

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and we will accept the dollarsThank you Regards, [redacted]

[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.] Revdex.com:At this time, we have taken it upon ourselves to have the truck fixed out of our pocket(who can be without a truck they use for work for over a month?) and am willing to accept your offer of $1,made payable to [redacted] to recoup SOME of the costs incurred that should have been covered by the warranty If this amount is not received, we will reject this offer and continue with our complaint I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I never said the car was taking and fixed and still had issues ..I was driving the car when the car stop driving front or reverse ..the truck towed pick up the car and Took it to the mechanicAnd you guys don't want to even pay the full amount for a used transmission..that's ridiculous ..I'm paying $for this car monthly plus insurance I been without my car for a month You guys taking a long time to approve and let the mechanic fix my car It's costing me a lot of money paying for a rental car and cabs to commute to work It's very difficult for me I need you guys to pay the full amount the mechanic is asking ..I have already spend a lot of money this whole month without my car and paying monthly Otherwise I'm going to take legal actions against your company If you are a company that you said on you are on website ..I don't have the money to pay for anything you guys should be covering ,

Dear Ms [redacted] , In response to Ms***'s complaint, please note that this is a contract from [redacted] in the state of Florida and we are the administrators only [redacted] approves and pays the claims on their contract and we only investigate the claims on their behalf In this case the vehicle was inspected by an independent inspector to verify the shop's diagnosis and the only repair verifed was that of the #piston [redacted] the authorized $1,for this repairThe labor was hours at $100.00/per our for a total labor of $1, The parts were as follows: piston $220.28, head set $196.55, oil $41.30, head bolts $35.12, oil pan gasket $and coolant $for a parts total of $ The total repair was $1,minus the $As to the car rental the contract states $per hours of labor time Since the repair was hours [redacted] is responsible for $ Gale TM [redacted]