The Penn Warranty Corporation

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: Please see attachment.
Regards,
[redacted]
August 31, 2015Dear [redacted]I purchased a 2006 [redacted] 4DR Sedan at [redacted] A/S on March 10,2015 along with a warranty from Penn Warranty Corporation.Unfortunately, this [redacted] has not performed as expected, and I believe the defective engine should be replaced under terms of the warranty. The problems with the denial of my claim is the service department at [redacted] never gave me anything to sign or ask my permission to tear down the engine. The service department just kept me informed on Penn Warranty's request to tear the engine down to find the problem.To resolve this problem satisfactorily, I would appreciate a Replacement engine, a Refund, a Repair.I am looking forward to your reply in this matter. I will wait until September 14,2015 for a reply before seeking assistance in resolving this dispute from an Attorney..Please contact me using the information above.Sincerely,

September 9, 2014Dear [redacted],I have received [redacted]’s complaint and have reviewed the file of the contract holder [redacted]. As to any refund request the contract agreement states under V. General Provisions number 7., a 100 percent refund of the Service Contract will...

be made less any claims paid within 30 days of the Service Contract Purchase Date. The service contract was purchased on April 13, 2012 thus exceeding the allotted 30 days of provision V. and denying a refund. The procedure of requesting a refund within the 30 days is specifically stated in Provision number 7 “To cancel, You must submit a written request and return the Service Contract to the Administrator.” This was not done within the first 30 days and therefore no refund would be granted. There are no general provisions providing a pro rated refund in the contract agreement.In addition we authorized and paid the amount of $809.79 for repairs on [redacted]’s vehicle and this would cancel out the pro rated refund requested in the compliant had a pro rated refund been allowed.Upon review if you have any questions or comments please do not hesitate to contact me.Sincerely, THE PENN WARRANTY CORPORATIONGale *. M[redacted] Corporate Attorney

July 31, 2014
Dear [redacted],I have received [redacted]’s complaint and have reviewed his file. A claim was called in on July 21, 2014 by [redacted] Tire pertaining to the engine on [redacted]'s 2006 [redacted]. The adjuster spoke to the repair center verifying vehicle...

information, claims procedures and tear down requirements. Upon completion of tear down, an inspection was then ordered and completed by an independent inspector to verify the shop’s diagnosis. The inspector found that the vehicle had modifications of oversized tires on the rear of the vehicle. The tires on the vehicle are size 275/45 R20 and the manufacturer’s requirements for the size of tires are P255/50 R20. Based on these findings the contract was then canceled due to these alterations.The contract agreement states that we can cancel the contract with cause. Had our corporation been notified of the alterations prior to reviewing the contract application it would have been rejected. The contract has been canceled and a refund of the contract purchase price is being sent to the lien holder Case Credit Union as stated on the contract.Upon review if you have any questions or comments please do not hesitate to contact me.Sincerely,THE PENN WARRANTY CORPORATIONGale *. M[redacted] Corporate Attorney

Dear [redacted]    In response to [redacted]'s rejection our corporation abides by all the laws, regulations, and any necessary licenses in all states that we issue our service contracts.  As to the refund payment that is offered, that we by sent by check to [redacted] by US mail to any address he provides.                                                                                           Gale *. M[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 nut please reference to the attachment. I never received a written report or proof from the inspector. The invoice is $1600, so my responsibility is still a lot and that is where my concern is. If we can not settle for the whole balance I will accept anything to help me with the bill. what should I do. Thank you again for being very helpful and responsive. I and my family appropriate the effectiveness. Regards
Regards,
[redacted]

This co. Is a scam. Do not bother to spend your money. They will not do anything they say. All Penn Warranty corporation is someone sitting on a island taking your money.

Dear [redacted],I have received the complaint captioned above and have reviewed the file. On April 11, 2017, a claim was called in [redacted] pertaining to the engine of [redacted] 2008 Ford F-250. On that date, the adjuster spoke to the repair center and went over the claims procedures...

and teardown requirements for the repair. After discussion and investigation our corporation then authorized the claim limit of $3,000.00.The contract agreement states in section W. GENERAL PROVISIONS "4. Limit of Liability - Our limit of liability is the Cost to repair or replace any Covered Ereakdown. Our maximum liability per repair shall not exceed three thousand dollars (S3,000). The total of all benefits payable for the term of the Service Contract shall not exceed the original Vehicle purchase price as shown. We then received the proper invoice and payment was made to the shop on May 19, 2017.Upon review if you have any questions or comments please do not hesitate to Contact me.Sincerely,THE PENNWARRANTY CORPORATIONGale T. M[redacted] Corporate Attorney

Dear [redacted],
    In response to [redacted]'s rejection our position remains the same as stated earlier.  The documents provided by [redacted]  merely show he purchased the tires.  We have provided the documentation as to the recomendations directly from his vehicle by the inspector.  The tires on the vehicle do not match these recomendations.
                                        ...⇄ Gale *. M[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
My husband asked about the next procedures to take and they told him to take the car to the shop and open the claim when they had received my authorization letter. We took the car to the shop while we waited for them to confirm the receipt of our letter which we never got. The repair was done promptly, so we only got a chance to call PWC after it was done. When I called they said they might not be able to help us because we repaired the car before filing a claim. Yet the rep on the phone never explained we should not pay for the repair before the claim was opened. When asked if the company should pay the mechanic or us, she said we could pay for the repair and be refunded. Based on the information we were provided we believe we did things as they instructed. They failed to provide clear explanation of the procedures and never responded to our correspondence. If they can recall the contract so well after the fact, why did the rep fail to explain it during the phone when asked about the procedures. Had PWC had our best interests in mind, we would have been given accurate information.
Attached please find the following documents in regards to our complaint.
- Photos of the malfunctioning transmission
Sincerely,
[redacted]

July 23, 2014
Dear **. [redacted]:I have received the above referenced complaint. Upon review of our file a claim was called in on June 3, 2014 by Big D Automotive pertaining to the transmission not going into reverse of **. [redacted]'s 2206 [redacted]. We instructed the service center...

to obtain the owners permission to have it torn down and diagnosed to show the complete and necessary repair. Once received an inspection was order by an independent inspector to verify the shop's diagnosis.The inspector verified that the shifter shaft seal in the extension housing is leaking long term with road dirt build up. The oil leaking from the seal has blown back into the shifter bushings and the bushings are soft and deteriate from the contamination. This is causing a misalignment of the shifter, therefore the shifter will not put the transmission into reverse gear.Based on this report the claim was then denied. The contract specifically states under section III WHAT THIS SERVICE CONTRACT DOES NOT COVER, #6, FOR FLUID LEAKS OR DAMAGE THAT RESULTS FROM FLUID LEAKS. Paragraph #7, FOR ANY BREAKDOWN CAUSED BY CONTAMINATION, OVERHEATING, LACK OF COOLANT OR LUBRICANTS. Since the damage to the vehicle was caused by the fluid leak of the non covered seal there is no coverage under the contract agreement for this repair. 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

Dear [redacted],
In response to **. [redacted]'s rejection we will offer a refund of the contract in the amount of $199.00. If acceptable please provide a written response and the contract will be canceled and payment will be sent directly to **. [redacted].
[redacted]

February 26, 2014
Dear **. [redacted]:
I have received the above referenced complaint date. Upon review of our file, on February 20, 2014, [redacted] initiated a claim for the O2 sensor and power window switch. These are non covered components and the claim was...

then closed.
The ter** and conditions of the Gold Contract **. [redacted] agreed to have "fully understood” when executing purposes to the holder under the heading WHAT IS COVERED?, the components and systems that receive coverage. It further mentions, "Only the components listed in the above systems are covered. No other components, other than those listed above under "What Is Covered/", are covered by this agreement.” The ite** called in on the claim are not listed in the agreement and therefore there is no coverage for those particular items. The contract covers the power window motor, not the switch. Also the O2 sensors are not listed as covered nor are they internal to the engine.
As to any requested refund the contract states::
"...there is no credit for early terminations.”
Therefore, no payment will be made for non covered components and no refund will be granted.
Sincerely,
THE PENN WARRANTY CORPORATION

Dear [redacted],
In response to [redacted]'s complaint please see the attached correspondence.
Gale ** M[redacted]

February 28, 2018Dear [redacted],I have received the above referenced complaint. From review of our file a claim was called in on January 12, 2018, by [redacted] pertaining to [redacted]’s 2001 [redacted]. An adjuster was assigned to this matter at which time verified with the...

center customer/vehicle information, claims procedures, and tear down requirements. Once teardown was completed an inspection was then done by an independent inspector to verify the shop’s findings.The inspector verified fine metal debris consistent with an internal torque converter failure. Based on the condition of the fluid and amount of contamination failure was in progress prior to the 348 miles place on the vehicle since purchase. Based on these findings the claim was then denied as to the failures being prior to contract since the vehicle was sold in this condition. The contract states, under section I WHAT THIS SERVICE CONTRACT DOES NOT COVER, “16. For a mechanical breakdown which existed prior to, or was caused by a condition which existed prior to the service contract purchase date.”From review of the complaint, [redacted] stated he purchased the vehicle on December 29, 2017 and had transmission problems on January 1, 2018. He then went to the selling dealer who sold him our contract on January 2, 2018 and this contract did have a vehicle sale date of January 2, 2018. Clearly from his own admission the problems occurred to the vehicle prior to the purchase of our contract.Thank you for your time and attention in this matter and if you have any questions or comments please do not hesitate to contact me.Sincerely,THE PENN WARRANTY CORPORATIONGale *. M[redacted] Corporate Attorney

Purchased 2012 bmw 750 li . Small dealership pushed penn warranty on me as the car was past 50k mile warranty.
Penn Warranty company is a complete scam. It is beyond criminal what a business can get away with versus person to person. They are not professional, they will not honor contract terms, they have done everything in their power to deny benefits even when bmw dealership & manufacturer bulletins have been supplied and advised. This is a complete shakedown scam. Further litigation will ensue on my end along with calls to pensylvania authorities.. you have been warned. Wish I had of Googled how shady this outfit was..
parts needed to fix my car , compressor for air ride suspension & air shock. .

After paying over $2000 for a auto loan warranty, I have had the worst experience getting a refund after the car was totaled 7 months later. They give you the run around and you go in circles to gain information. I will never again get a extended warranty if this is the provider. I have had much better experiences with other companies throughout the years.

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 T. M[redacted]

Dear Ms. [redacted],
     In...

response to Ms. [redacted]'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 #2 piston.  [redacted] the authorized $1,738.03 for this repair. The labor was 13 hours at $100.00/per our for a total labor of $1,300.00.  The parts were as follows: piston $220.28, head set $196.55, oil $41.30, head bolts $35.12, oil pan gasket $26.66 and coolant $18.72 for a parts total of $538.03.  The total repair was $1,838.03 minus the $100.00. As to the car rental the contract states $50.00 per 8 hours of labor time.  Since the repair was 13 hours [redacted] is responsible for $50.00.
                                                                                                Gale T. M[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I purchased the vehicle without the original tires on the vehicle and purchased the warranty upon the purchase of the vehicle and was never informed by either the dealer or the warranty company that my tires would cancel my contract. Also the contract states that I would receive a letter before my contract was cancelled and I haven't received no letter and they cancelled my contract before they even contacted me personally about the matter.. I also believe that if modifications made that affect the part that failed then the claim should be denied and if the modifications made had nothing to do with the vehicle failure like my tire size not affecting the motor in any way they should understand and honor their warranty not throw people under the bus..
Regards,
[redacted]

October 3, 2014Dear [redacted]:I have received the complaint captioned above and have reviewed the file. On May 21, 2014 [redacted] Automotive, called in a claim for [redacted]'s 2006 [redacted] stating that the ball joints are worn. On that date, the adjuster spoke to the repair center...

and went over the claims procedures and teardown requirements for the repair. We have no record of instructing the shop that we did not have the contract on file. The claim was called in at 9:42 am; we then took the initial information and called them back at 11:18 am to proceed with the claim. Upon investigation we contacted the shop at 12:33pm and authorized $452.84 for the ball joints broken down as follows:$240.84 Rock Auto front & lower ball joints & front uppercontrol arms with ball joints $312.00 Shop's labor -$100.00 Per occurrence fee$452.84 Total Authorization ([redacted])
The contract signed by both [redacted] and [redacted] clearly states a $100.00 per occurrence fee. Please note at the time of the authorization a break down of parts and labor were given to the service center and they in turn would inform the owner of the information for him to decide how to repair his vehicle. The owner of the vehicle has the final decision as to how to have it repaired and to choose different types of parts is certainly his prerogative. However, this decision does not alter the terms of the contract or the amount authorized for the repair and the amount authorized could be used as an allowance toward any repair the owner may choose. The terms of the Gold Contract regarding the repair of the vehicle states: “At the administrator’s option, replacement parts used in covered repairs may include new, remanufactured, used or non-original equipment manufactured parts. All parts will conform to manufacturer’s specifications.”The adjuster looks for the most cost-effective repair for the vehicle. Only the owner of the vehicle can make the decision as to how their vehicle can be repaired. By choosing parts at a greater cost he would then be responsible for the difference in costs charged by the repair center. Please note that we have the right to investigate and authorize the claim for coverage, we do not just pay the service center what they want for parts and labor. The parts we authorized are remanufactured could have been supplied and covered throughout the duration of the contract. Also, the vehicle was purchased used with over 104,000 miles on it and for us to authorize new parts when remanufactured are available would give the owner of the vehicle a greater benefit than originally purchased.
As to the refund request, the contract stated under V. General Provisions number 7., specifically states a 100 percent refund of the Service Contract will be made less any claims paid within 30 days of the Service Contract Purchase Date. The service contract was purchased on August 22, 2013 thus exceeding the allotted 30 days denying refund. Further, New York State Law “ISC Article 79 § 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 10 days if the service contract is delivered at time of sale.” Our contract states 30 days which is greater than NY law, since this time period has passed, no refund will be granted. There are no general provisions in the contract agreement granting a pro rated refund.The vehicle was then sold without a transfer of the contract. The contract states “Without a transfer to the owner, the contract is terminated at the time of sale or when the contract holder no longer owns the vehicle.” Upon review of your complaint the vehicle was sold. Therefore, since no transfer occurred at that time the contract is now terminated.Thank you for your time and attention and if you have any questions of comments please do not hesitate to contact me.
Sincerely,THE PENN WARRANTY CORPORATIONGale M 
Corporate Attorney