AAAutowarranty.com Deceptive, Fraudulent misrepresentation
Complaint
Tom I
Country: United States
aaautowarranty.com autowarrantyresearch.com aaautoprotection.com aa auto warranty aa auto protection and possibly other names are one and the same.
This company wrongfully deceived me by lines like "Just like a new car warranty, only better", "The best coverage in the industry", "No deductible, 100% of repair costs are covered", "If you never file a claim, you get all your money back", and other lines. The truth is, the "product warranty" they sold me was so restricted. and would never pay for anything when breakdown occurs. The reality hit me pretty badly when my engine failed.
I purchased an agreement from them with good faith on 9/16/2009. I was in the market for an extended warranty for my truck as my warranty at the time was expiring on 11/11/2009. I first looked around in the web and quickly discovered that, there are many fraudulent companies like US Fidelis out there. I knew not to contact US Fidelis but I didn't even dream that AAAutowarranty.com was selling me an identical "product warranty" by same provider also sold by US Fidelis. I shopped around, and asked many questions. I first received a quote in an email by AAAutowarranty.com. It wasn't too expensive or the lowest, I decided to give them a call. They offered me 2 plans to choose from. They were both from same provider. I asked about a coverage on turbo charger, as I had a turbo charger failed on me previously. I was told that one of them listed turbo charger in covered components, but the other one didn't list turbo charger. but in event, if turbo charger was damaged due to failed covered component, it will be covered. I asked about hub bearing, and the sales guy couldn't answer. I was connected to his supervisor, The supervisor said front wheel hub bearing would be covered as all internally lubricated components of axles are covered. The sales guy continued to tell me about how great this warranty is. "Just like a new car warranty, Only better", "The best coverage in the industry", "No deductible, 100% of repair costs are covered", "If you never file a claim, you get all your money back", "15 days and 500 mile activation period", "No limit on each claim, up to actual cash value of the vehicle", "Just keep up with the oil change, at any service facility", "5 year 150,000 mile coverage", "If something happens to your car, just take it in to any ASE certified facility. 'we' will take care of the rest" and others. I called around and found other warranty companies that were offering the same coverage from the same provider. I didn't care for them as they were high pressure sales. A lady from one warranty company asked me what I was considering. I told her about this great coverage offered by AA Auto Warranty, 5 year 150,000 mile coverage, activation period 15 days and 500 miles and so on. She said she didn't have anything with 15 days and 500 mile activation period, and it must be some kind of a product warranty that requires additives added to engine, transmission, gear cases and others or it's a scam. I called back AA Auto Warranty and asked if it was a "product warranty" with some kind of additives. He said "No, it's a regular warranty". I felt like I did enough research, and I gave the guy my credit card number. I worked as a business development manager and other positions in sales field. I always presented our products with truth, never withholding negative info on anything. I had no reasons to suspect AA Auto Warranty. I received a small package from the provider in what seems like couple of weeks later. I never really looked at it. I even felt comfortable enough, and canceled my real warranty in early October after I reached 500 mile and 15 day activation period.
In mid October my truck started to smoke badly and lost power on freeway. I was so glad that I renewed my warranty policy with AAAutowarranty. I looked for a service facility that would work with an aftermarket warranty company, and took my truck in. They said it seemed like cracked piston or broken piston ring. They said warranty company should cover such damage, they got an approval for teardown from the provider and took the engine a part. They found a wrist pin circlip came off of a piston and damaged the piston and the cylinder wall badly. This was an instantaneous damage. I got a call from the repair facility a day before Thanksgiving day telling me that provider denied the claim. I was shocked. I failed to understand the reason for denying my claim. The guy from the repair facility emailed me a pdf attachment he received from the provider. It had many misspellings and most of the sentences weren't even complete. I couldn't believe the level of the response I received from this company. I found out soon later that I wasn't the only one experienced the same situation. A fact is, all of the policies or agreements from this provider is so strict. They will always find 10 reasons why they won't pay for the claim, pre-existing, worn components, parts not actually broken to pieces, one of the oil change record was hand written, not covered part or condition, and many other ridiculous reasons why they won't pay for the claim. This provider is a scam, so is AAAutowarranty that sold the coverage to me knowingly and willingly. And they count on you NOT to read or understand the policy, otherwise they wouldn't be selling such ridiculous insurance policy.
I filed a complaint with BBB. The first response from AAAutowarranty was that they don't process or approve any claims. But the real problem is the fraudulent misrepresentation of the selling broker, in this case AAAutowarranty. Maybe it's my fault that I trusted them so much. but I'm not the only one. I didn't even find out until very recently that there were tablets and battery terminal protectors in the box I received from the provider. also, there was a "information" on the warranty with all the exclusions and conditions in the box. I was never asked to read or understand any of this by anyone. I never acknowledged any of this. Troy Nelson from AA Auto Warranty tried to tell me that I acknowledged all the fine prints when I give them the 3 digit security code from back of my credit card. I told him that has nothing to do with the fine prints I didn't even know existed. Marc Kamin from AAAutowarranty agreed with me that all of the calls are monitored and AAAutowarranty knew every details listed in conditions of all the agreements. Marc Kamin told me that this provider only started to behave in such manner within last couple of month as economy took a deeper dive. I disagree. There is no evidence of them changing their coverage information and there are many people complaining about this provider for years. The truth is, nobody sane would purchase such agreement or policy if they knew all the restrictions and conditions of these warranty policies.
AA Auto Warranty also violated insurance regulation and state laws by selling disguised insurance policy. All victims should contact FTC, Attorney General, Department of Insurance and other governmental agencies of each states. AAAutowarranty has locations in NJ, PA, MD and DE. I believe Baltimore office is the most active sales location as they are currently looking for more sales/telemarketing position for that office. All of the victims should contact AG, DOI and others in each of those states.
Executive Offices:
901A Mantua Pike, Suite 104
West Deptford, NJ 08096
Fax: 856-845-9178
Sales Office:
3 Neshaminy Interplex, Suite 107
Trevose, PA 19053
Sales Office:
6801 Eastern Avenue, Suite 200
Baltimore, MD 21224
AAautoProtection.com
560 Peoples Plaza #211
Newark, DE 19702
1-888-222-4445
All the victims should also file a claim with BBB, I don't know how they ended up with an A+ as they only had a rating of B- when I looked them up back in September. They do have 50 complaints on the record. I know of a business that had no complaints ever and has a C rating. BBB isn't a reliable source after all.
They recently changed their company name to AA Auto Protection to avoid some investigations.
Please contact me if you have a class action lawsuit against AA Auto Warranty or AA Auto Protection. I like to join or possibly start one if I can't find one already started.
This company wrongfully deceived me by lines like "Just like a new car warranty, only better", "The best coverage in the industry", "No deductible, 100% of repair costs are covered", "If you never file a claim, you get all your money back", and other lines. The truth is, the "product warranty" they sold me was so restricted. and would never pay for anything when breakdown occurs. The reality hit me pretty badly when my engine failed.
I purchased an agreement from them with good faith on 9/16/2009. I was in the market for an extended warranty for my truck as my warranty at the time was expiring on 11/11/2009. I first looked around in the web and quickly discovered that, there are many fraudulent companies like US Fidelis out there. I knew not to contact US Fidelis but I didn't even dream that AAAutowarranty.com was selling me an identical "product warranty" by same provider also sold by US Fidelis. I shopped around, and asked many questions. I first received a quote in an email by AAAutowarranty.com. It wasn't too expensive or the lowest, I decided to give them a call. They offered me 2 plans to choose from. They were both from same provider. I asked about a coverage on turbo charger, as I had a turbo charger failed on me previously. I was told that one of them listed turbo charger in covered components, but the other one didn't list turbo charger. but in event, if turbo charger was damaged due to failed covered component, it will be covered. I asked about hub bearing, and the sales guy couldn't answer. I was connected to his supervisor, The supervisor said front wheel hub bearing would be covered as all internally lubricated components of axles are covered. The sales guy continued to tell me about how great this warranty is. "Just like a new car warranty, Only better", "The best coverage in the industry", "No deductible, 100% of repair costs are covered", "If you never file a claim, you get all your money back", "15 days and 500 mile activation period", "No limit on each claim, up to actual cash value of the vehicle", "Just keep up with the oil change, at any service facility", "5 year 150,000 mile coverage", "If something happens to your car, just take it in to any ASE certified facility. 'we' will take care of the rest" and others. I called around and found other warranty companies that were offering the same coverage from the same provider. I didn't care for them as they were high pressure sales. A lady from one warranty company asked me what I was considering. I told her about this great coverage offered by AA Auto Warranty, 5 year 150,000 mile coverage, activation period 15 days and 500 miles and so on. She said she didn't have anything with 15 days and 500 mile activation period, and it must be some kind of a product warranty that requires additives added to engine, transmission, gear cases and others or it's a scam. I called back AA Auto Warranty and asked if it was a "product warranty" with some kind of additives. He said "No, it's a regular warranty". I felt like I did enough research, and I gave the guy my credit card number. I worked as a business development manager and other positions in sales field. I always presented our products with truth, never withholding negative info on anything. I had no reasons to suspect AA Auto Warranty. I received a small package from the provider in what seems like couple of weeks later. I never really looked at it. I even felt comfortable enough, and canceled my real warranty in early October after I reached 500 mile and 15 day activation period.
In mid October my truck started to smoke badly and lost power on freeway. I was so glad that I renewed my warranty policy with AAAutowarranty. I looked for a service facility that would work with an aftermarket warranty company, and took my truck in. They said it seemed like cracked piston or broken piston ring. They said warranty company should cover such damage, they got an approval for teardown from the provider and took the engine a part. They found a wrist pin circlip came off of a piston and damaged the piston and the cylinder wall badly. This was an instantaneous damage. I got a call from the repair facility a day before Thanksgiving day telling me that provider denied the claim. I was shocked. I failed to understand the reason for denying my claim. The guy from the repair facility emailed me a pdf attachment he received from the provider. It had many misspellings and most of the sentences weren't even complete. I couldn't believe the level of the response I received from this company. I found out soon later that I wasn't the only one experienced the same situation. A fact is, all of the policies or agreements from this provider is so strict. They will always find 10 reasons why they won't pay for the claim, pre-existing, worn components, parts not actually broken to pieces, one of the oil change record was hand written, not covered part or condition, and many other ridiculous reasons why they won't pay for the claim. This provider is a scam, so is AAAutowarranty that sold the coverage to me knowingly and willingly. And they count on you NOT to read or understand the policy, otherwise they wouldn't be selling such ridiculous insurance policy.
I filed a complaint with BBB. The first response from AAAutowarranty was that they don't process or approve any claims. But the real problem is the fraudulent misrepresentation of the selling broker, in this case AAAutowarranty. Maybe it's my fault that I trusted them so much. but I'm not the only one. I didn't even find out until very recently that there were tablets and battery terminal protectors in the box I received from the provider. also, there was a "information" on the warranty with all the exclusions and conditions in the box. I was never asked to read or understand any of this by anyone. I never acknowledged any of this. Troy Nelson from AA Auto Warranty tried to tell me that I acknowledged all the fine prints when I give them the 3 digit security code from back of my credit card. I told him that has nothing to do with the fine prints I didn't even know existed. Marc Kamin from AAAutowarranty agreed with me that all of the calls are monitored and AAAutowarranty knew every details listed in conditions of all the agreements. Marc Kamin told me that this provider only started to behave in such manner within last couple of month as economy took a deeper dive. I disagree. There is no evidence of them changing their coverage information and there are many people complaining about this provider for years. The truth is, nobody sane would purchase such agreement or policy if they knew all the restrictions and conditions of these warranty policies.
AA Auto Warranty also violated insurance regulation and state laws by selling disguised insurance policy. All victims should contact FTC, Attorney General, Department of Insurance and other governmental agencies of each states. AAAutowarranty has locations in NJ, PA, MD and DE. I believe Baltimore office is the most active sales location as they are currently looking for more sales/telemarketing position for that office. All of the victims should contact AG, DOI and others in each of those states.
Executive Offices:
901A Mantua Pike, Suite 104
West Deptford, NJ 08096
Fax: 856-845-9178
Sales Office:
3 Neshaminy Interplex, Suite 107
Trevose, PA 19053
Sales Office:
6801 Eastern Avenue, Suite 200
Baltimore, MD 21224
AAautoProtection.com
560 Peoples Plaza #211
Newark, DE 19702
1-888-222-4445
All the victims should also file a claim with BBB, I don't know how they ended up with an A+ as they only had a rating of B- when I looked them up back in September. They do have 50 complaints on the record. I know of a business that had no complaints ever and has a C rating. BBB isn't a reliable source after all.
They recently changed their company name to AA Auto Protection to avoid some investigations.
Please contact me if you have a class action lawsuit against AA Auto Warranty or AA Auto Protection. I like to join or possibly start one if I can't find one already started.
Comments
But what is clear is the effective grammer used. Most of these people could not even spell the word automobile. They do not have a clue as to what is going on in their life. The only thing they understand is having bought what they THINK is an insurance policy, when it is a mechanical breakdown contract.
They want to believe this, because the culprit is AAAutowarranty. They make the product initially affordable. The customer knows they have a poor running vehicle, and believe that for $99.00 down, they will have their problems cured.
Most of them have probably purchased their used vehicle from "ANYBODY'S USED CAR SALES" and their logo is"YOUR BAD CREDIT IS GOOD HERE". They needed a car so badly, they never looked at the terms and interest rate.(PROBABLY AT 24.99% APR which translates to about 44% compounded.) Think I'm wrong?
So I'm not defending the seller here, but when this guy did as much homework as he said he did, you just have to wonder. YOU KNOW, THE PROBLEM HE HAD WITH HIS MOTOR REALLY DOESN'T HAPPEN OVER NIGHT. THERE ARE MANY WARNING SIGNS TO INDICATE AN UPCOMING SITUATION. HE'S JUST A DUMB HICK WHO THOUGHT HE COULD SCAM THE NEXT GUY INTO PAYING FOR HIS OWN MISDEEDS.
are liars and feed on people who want honesty.....
I know exactly what's going on in my life.
I was clearly told that this was a "Regular warranty", why else would I think it was a warranty? I even asked if it was a "Product warranty". The sales guy lied to me and said "No, it's a regular warranty".
My downpayment was in $550 range, not $99.
I own this vehicle, I paid cash.
This damage on my engine didn't happen overnight, it happened over seconds. There were no prior signs. I did have a real warranty on the vehicle.
Call me what you like, but you are the one assuming all "that" about me. Without even knowing me at all.
Please read my original post, and tell me what I did wrong, other than trusting AA Auto Protection.
http://www.ripoffreport.com/auto-warranty/aa-auto-warranty/aa-auto-warranty-aa-wararanty-6zbb4.htm
http://www.complaintsboard.com/complaints/aa-waranty-c218563.html
Another victim.
http://www.ripoffreport.com/auto-warranty/aa-auto-warranty-aa/aa-auto-warranty-aa-autoprote-3fc3b.htm
Another victim.
http://www.ripoffreport.com/auto-warranty/aa-auto-warranty/aa-auto-warranty-denied-refund-adwac.htm
Refund issue.
http://www.ripoffreport.com/warranty-companies/aa-auto-warranty/aaautowarranty-aa-auto-warran-ewc49.htm
Good supporting comment #5.
http://www.ripoffreport.com/auto-warranty/aa-auto-warranty/aa-auto-warranty-cory-johnso-9dda5.htm
Somebody not happy with AA Auto Warranty.
http://www.ripoffreport.com/auto-warranty/aa-auto-warranty/aa-auto-warranty-f-ckin-rip-of-mmb53.htm
Good supporting comment #6.
http://www.ripoffreport.com/Auto-Warranty/Warranty-America-AAA/warranty-america-aaautowarra-edafj.htm
Another victim.
http://www.complaintsboard.com/complaints/aa-auto-warranty-c272690.html
Comment from Robert G, 5th comment. BigOrd had problems as well.
http://www.complaintsboard.com/complaints/aa-auto-warranty-c167966.html
Another victim.
http://www.complaintsboard.com/complaints/consumer-direct-warranty-services-cdws-c247774.html
First comment,Larry Talbot
http://www.complaintsboard.com/complaints/warranties-4-wheels-auto-warranty-specialists-c108448/page/1.html#c165295
Another victim.
https://complaintwire.org/Complaint.aspx/rbi9GRmUPgAl0AjL_Kl8vQ
I'm sure I missed more.
My husband and I brought a 2006 used volvo XC90 SUV this January and thought it would be smart to purchase a warranty. They were very anxious to tell us how it covered everything and we agreed to a $2,000 poloicy. They never inspected the vehicle (though we did have it inspected by a mechanic who said it was in great shape) AND we didn't get a copy of our contract until several weeks after we bought the warranty.
Now in August, only 7 months later, we started having a transmission problem. We took it to a mechanic and were told that we needed a new tranmission. It took AA over a week to finally come out and look at it, then they told us we would NOT be covered because the tires (that were on the car when we bought it) were slightly larger than spec-ed!!!! We had no idea of this fact, and we have talked to several dealerships that confirm there is NO WAY that a slightly larger tire could affect a transmission, particularly after such a short amount of time and that it was absolutely ridiculous to call this a "modification". We wrote a letter explaining our case to the appeal board, but we didn't hear anything. In the meantime, our car is up on blocks at the mechanic awaiting a resolution. When I called to check on the progress of the appeal (to claims processor, MIKE ALLEN) he never called us back, after repeated follow-ups. Finally I reached one of the most rude people I have ever had the misfortune of dealing with, apparently the HEAD of claims, DEAN CLOUD and he said that he was the final word, that he would not give me a contact name or any information for anyone at the appeal board, nor would he give me any contact information for their CEO, (STEVE FRAISER, he says). This is completely unfair. I have already paid more than half of a $2,000 warranty and will pay another $5,0000 - $7,0000 for a repair that I have already paid to have covered. RUN FROM THIS COMPANY!!!!!!!!