Sign in

United Capital

Sharing is caring! Have something to share about United Capital? Use RevDex to write a review
Reviews United Capital

United Capital Reviews (128)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I have been contacted by one of their supervisors with a resolution approach and am waiting to see the details in an email or writing. I will wait until for the business to perform this action, follow up to closure and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Our home is currently for sale and our real estate agent puts a home warranty on each home she sells. We did not ask for one. She uses one guard warranty. This was not a choice for us. We ended up having to use our warranty when our airconditioner stopped cooling our home. We contacted oneguard over a month ago to have someone come and check why our aircon was not cooling properly.
They took over a week to have someone come and say our aircon coil needs to be replaced as it is leaking freeon. They said they wanted a second opinion. No one ever sent anyone to our home for a second opinion, according to my realtor. She never had to let anyone else in the home. one guard kept telling me when I called asking for updates that theyre waiting for the 2nd opinion.
Now its been one month no airconditioner working. I cant hold open houses and people who did come to our house to look didnt want to stay or even look because it was too hot inside to concentrate. It has lost the sale of our home several times by interested people.
They are telling me afew days ago that several weeks ago my claim was denied.
No one called to inform me or my realtor of this decision. Ive been waiting for them to fix it.
Today I called again because christina told me two days ago she would wait until monday and have another look at the info with a manager and call me back by 10am.
Well, I waited all day and finally called myself. someone named Garrett talked to me and said she was busy and sorry but my claim has been denied.
There is NO reason for my claim to be denied.Its been a month of hot Texas weather.
It was under warranty and they are just trying to get out of paying to fix the problem.
They are so dishonest of a company. They dont even have the decency to call someone and tell them when a claim has been denied.
My experience with this company has been terrible.
I would not recommend this company to anyone.
I will send this case to the arbitration dept. Tthe salesman couldnt even find the email for complaints in his company.
They are just horrible to deal with.
No return of phone calls
No calls telling you its been denied or emails even.
Lying about second opinions and not fixing anything.
Causing the loss of sales on our home.
What a way to thank your military families while moving,
Do not waste your hard earned money on this company!!!!!!!

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.
My response is that I was never given the choice of having a one guard senior tech go look at the job that [redacted] installed. They told me I needed pictures . I don't live in Arizona this is a rental property. I contacted [redacted] and they told me they have to repair any unit that is repairable even if the parts don't fit and may have to retro fit them because the unit it too old. They can't replace the unit the proper why because one guard will not allow them to do this the right way (It cost too much ). If one guard Senior Tech would go to the home and inspect the unit and send me a report that states the unit is in excellent working condition and everything is installed properly I will close the case. I mean  the compressor was installed fits properly in the unit. Please take pictures ! 
Regards,[redacted]

The company has responded and a technician was dispatched. At this time we are awaiting a resolution to the problems. As the warranty company has already said their service provider is responsible and the service company has said they are sending to HomeGuard to handle, I'm not at all sure we are near the end of this issue that started back in March. Also I have made HomeGuard aware that the appliances in question are 2 of set of 6 appliances that all match. I'm guessing this will be an issue also.
 
[redacted]

I am a Real Estate Broker in AZ. For years I referred clients to another well known home warranty company. I used that home warranty company for my personal residence as well, until that other company refused to renew my contract a few years ago. It was then that I made the switch to OneGuard.
OneGuard has made numerous repairs to my home which include repairing the following: water softener, broken garage door springs, refrigerator ice maker, pool pump, garbage disposal, and the air conditioning system. Today I had the heater for my pool completely replaced with a new model. This would have been well over $2000 for me to replace myself and I was able to have it replaced with OneGuard for the $59 service fee. OneGuard has been wonderful to work with, their customer service is outstanding, and the have renewed my warranty even with all the repairs I have requested. I highly recommend them to anyone looking for a home warranty!

I have been with One Guard for 6 years and had not had a problem until now, unless the item is completely broken will not replace. When my garage door broke, they came out 3 times before they fixed it. I had a water heater that leaked and please note it was 14 years old. A restoration company had to be called to clean up the mess. One Guard wanted to just replace the valve instead of replacing the water heater. I understand if the unit was 5, 6, 7 years old but 14 seriously made me worry about coming home to a another flood. One Guard would not even pay half of the water heater! It's all about money and no fairness for customers.

Thank you for allowing OneGuard Home Warranties the opportunity to address the homeowner’s concerns regarding her claim for the water heater.  A careful investigation has been conducted before advising the homeowner repairs would not be completed under the existing service agreement, and this...

letter will explain our position.
The OneGuard team reviews the nature and cause of the issue the homeowner is experiencing, and will do everything possible to cover the claim.  Please know we are required to follow the parameters set forth in the service agreement, and favor on the side of our customers when the situation is unclear.
Here is a review of the specific timeline of events in relation to the claim and what led to our ultimate decision:
The homeowner’s original warranty coverage expired on January 30, 2014.  She started a new policy with the effective date of May 11, 2014.  Please note, new policies are subject to pre-existing conditions and OneGuard requires that covered items are in good working order upon the effective date of the home warranty. 
On June 12, 2014, the homeowner initiated a claim for service advising there was no hot water.  A work order was created on her behalf and forwarded to our preferred service contractor.  The homeowner paid the $59 service fee as per the terms of the service agreement.  The $59 service fee is collected every time a work order is created and a service contractor is dispatched to the property to diagnose a failure.  
Our licensed contractor was dispatched to the property on the same day and called OneGuard with the following diagnosis:  The water heater is leaking and requires replacement.  He advised the unit has been leaking for a while as the bottom of the water heater is visibly stained with longstanding rust and corrosion, as well as the surrounding concrete floor which has rust stains.  The top supply line of the unit is also corroded.  He confirmed the failure to the unit is pre-existing, and the leaking has been going on longer for than one month as evidenced by the rust.  The technician also forwarded a photograph of the unit to OneGuard to demonstrate his findings (please find the attached picture).  
All of the information was taken into consideration by OneGuard’s Authorization team:  The professional diagnosis from the service contractor, picture of the unit showing red rust deterioration, effective date of the home warranty, and the current condition of the water heater.  The claim would not be covered under the service agreement due to the pre-existing rusted condition of the unit prior to the effective date of the home warranty. A representative from OneGuard’s Authorization team spoke with the homeowner directly to explain the denial of the claim.  During the conversation, the homeowner inquired about unknown pre-existing conditions.  The representative advised the homeowner that she did not select optional coverage to include Undetectable Pre-existing Conditions.  The representative also explained that the condition of the unit would have been detected by a visual inspection, and further evaluation by a qualified tradesperson would have been recommended due to the presence of red rust which takes longer than 30 days to advance to this state.  
Please see the excerpt taken from the service agreement:
A. WARRANTY COVERAGE (page 2 of 6) 1. In accordance with the terms and conditions of this residential service contract, OneGuard Home Warranties will repair or replace your selected covered items so long as they: a. Are in good, safe working order and correctly installed at the premises on the effective date of this warranty contract; b. Become inoperative from normal wear and tear after the effective date of this warranty contract.
E. TRADE SERVICE FEE (page 3 of 6) 1. For each separate trade item, you are responsible to pay a $59.00 service fee (service fees for A/C & Heating System Tune-ups must be paid at time of service request). The service fee will be due and payable to OneGuard or the Service Contractor at the time of scheduled service request.
The homeowner called back and spoke with another Authorization specialist who reviewed the claim, explaining why it would not be covered as the current state of the water heater has been determined to be pre-existing.  The homeowner was in disagreement with the outcome.  Therefore, the claim was relayed to OneGuard’s Customer Relations team requesting a final review and call to the homeowner to further explain the denied claim. 
The Customer Relations representatives analyzed the entire timeline and details of the claim, and a representative placed a follow up phone call to the homeowner, leaving a voice message.  In the meantime, the homeowner submitted a complaint to Revdex.com and has not returned our phone call to offer further clarification.  We regret the homeowner is dissatisfied with the outcome of her claim.  However, OneGuard has always acted in good faith and within the parameters of the service agreement.  
In closing, OneGuard will not be making repairs to the water heater due to the pre-existing condition of the unit prior to the effective date of the policy.  OneGuard Home Warranties respectfully requests for Revdex.com to close this complaint ‘Administratively Judged Resolved’.  Thank you for allowing OneGuard the opportunity to provide this information.  We sincerely hope it helps.  
OneGuard Home Warranties
Customer Relations Team

Thank you for allowing OneGuard Home Warranties the opportunity to complete a final review of the homeowner’s pool equipment claim, and provide additional clarification. After reviewing all of the claim notes, recorded calls, and testimonies of the contractors’ who have assessed and diagnosed the homeowner’s pool filter, we have concluded the claim will not be covered under the service agreement. A careful analysis has been conducted before making the final decision, and this letter will further explain why the claim has been denied by OneGuard Home Warranties. OneGuard has always acted in good faith in our efforts to service the homeowner and within the parameters of the service agreement, and never with false or deceptive intent.  Please be assured the OneGuard Customer Relations department has completed a thorough analysis of the claim before issuing the denial. Customer Relations reviews and responds to all escalated denials on behalf of the Chief Executive Officer. Our reviews consists of research to assess if a claim was handled properly, and to ensure the denial of a claim is accurate. During our review process for this claim, the Customer Relations team contacted the OneGuard preferred contractor who completed the diagnosis for the pool filter. We spoke directly with the owner of the company who performed the service call himself. He reaffirmed that upon his arrival the filter was cracked and leaking. Once he opened up the filter, he found the caretaker screen to be completely clogged. Additionally, the grids were caked with an excessive amount of dried dirt build-up and debris, and were broken at the bottom. The technician forwarded pictures to OneGuard to demonstrate his findings which we have provided to the homeowner and Revdex.com in our original business response. The condition of the grids and the caretaker screen, would not allow for water to flow freely through the system, and in his professional opinion, it caused the pounds of pressure per square inch (PSI) to build up, ultimately causing the filter to crack. He additionally advised the unit was depleted of Diatomaceous Earth (DE). In the owner’s manual provided by the homeowner it is written (page 2):• Never operate the filter in excess of three minutes without use of DE.• Operating the filter without DE will damage the filter elements.The Customer Relations department also listened to a recorded phone call from March 20, 2015, when a representative from OneGuard’s Authorization department explained the denial of the pool filter claim directly with the homeowner. During this call, the homeowner indicated to the representative her discontent with the denial as she had a pool company servicing her pool. Please note, the homeowner further advised that she fired the pool company in February, as they were not properly maintaining the pool, and that she had specific concerns regarding the DE and if it was being added to the filter as required. We understand the homeowner’s frustration with the denial. However, OneGuard cannot be held responsible for the failure which was related to the lack of proper pool maintenance, regardless of whom the homeowner feels is at fault.At the request of the homeowner, the Customer Relations team contacted the pool contractor she hired, outside of the home warranty, to assess the filter. OneGuard agrees this technician works for a reputable pool company, and although not required, it was our pleasure to call and speak with him. As the homeowner indicated, our representative asked the technician about the condition of the grids upon his arrival. The technician advised he was called to the home to provide an estimate to replace a cracked pool filter and therefore, had no reason to open the filter. He confirmed the filter was cracked and advised the homeowner that fiberglass pool filters crack over time. OneGuard agrees with this statement, and the age of a fiberglass pool filter may contribute to the failure or cracking of the unit. However, in this specific situation, the condition of the pool filter upon our service contractor’s arrival, with dirty grids and a clogged caretaker screen, was a clear indication that a lack of the manufacturer’s recommended maintenance caused the crack and leaking, and the failure of the filter. While OneGuard emphatically believes the pool filter failed due to lack of proper pool maintenance, we appreciate the homeowner’s service to our country and her twelve years as a OneGuard customer. We would like to offer monetary assistance toward the costs incurred for the replacement of the filter. In her rebuttal response to Revdex.com, she referenced on-line written correspondence she exchanged with “MrDgvb1.” In the conversation, she noted that she worked with [redacted] directly to replace the pool filter at a cost of $350. Upon approval of the homeowner, OneGuard is prepared to send a check in the amount of $200 to help offset the expense of a new filter.       We sincerely hope this additional clarification and proposed offer of resolution is accepted by the homeowner. OneGuard Home Warranties has always acted in good faith in our efforts to serve the homeowner and within the parameters of the service agreement, and respectfully requests for Revdex.com close this complaint ‘Administratively’.    Thank you again for your time and consideration, and please know your questions are welcomed. 
Warmest Regards,[redacted]Customer Relations Specialist IIOneGuard Home Warranties

Check fields!

Write a review of United Capital

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

United Capital Rating

Overall satisfaction rating

Add contact information for United Capital

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated