coverage
Complaint
luis RUIZ
Country: United States
I purchase A 2004 jaguar x-type with 65K back in September 3,2009 with a 60 day warranty.Oct 15,2009 I purchased a warranty with, Direct buy warranty. My transmission failed due to mechanical issues,I submitted receipts showing the first month I spent 3,000 just to get it the way I wanted.After the transmission was fixed,they refuse to pay,cause they ran a carfax on my vechicle and claim it was involved in two accident before I purchase the car.So they reimburst my money cause if anything else happens they will not cover it.I had ask them when I first Purchase the warranty Do I need to get te car check in one of their listed repair shops,they said it was not necessary.So I ended up paying for the repairs.
Comments
http://docs.justia.com/cases/federal/district ... 0358/52323/249/
So far, I have no complaints against DBW. In fact, I was very pleasantly surprised after reading the fine print. The sales associate I spoke with forgot to tell me the warranty is free. That is not a typo or misprint. In their Customer Loyalty section on their website, I found that if you have no claims for the full term of your contract, at the end of the contract you will get a full refund. This is the case as of 11-12-10. That's pretty hard to beat. In my case, I read the fine print and will just fix maintenance items myself and not try to cheat them. Given no reason to think otherwise, I believe they will treat me well for the term of my contract. It's interesting that with many, many customers, only a handfull have complained. YMMV, this is IMHO.
WARNNING!!! Do Not Trust These People.. This message needs to get out.
It is not the money that make me pissed.. it is the way they do business. These people are not honest at all.. This industry for sure needs to be regulated. I live in LA, I am going to submit my story to ABC.. People need to be warnned about this.
My transmission was blown as well.. I had to tow my car back to Los Angeles from Lake Tahoe (400 miles).. lucky i had AAA.. but i still ended up paying $300.. Well, I ended up finding out DWB wouldn't cover my repair.
Did I try to scam the company? That's funny.. Why do I need to scam your company? It not even worth the time to do scam like this. I have a busy life , work, family.. and I can truly say that I live in a honorable way of life. The warranty of my Jeep expire at 75000 miles, so I was looking through the website to find out about your company on Google. Everything seem to be appealing, so I decided to make a call. Everything sounds reasonable during the conversation, so I spend $1800 in cash to purchase a 5 years plan from your company. If I was doing scam on purpose, why the hell do I spend that much in the beginning. I trusted your company from bottom of my heart.
Now, it was unfortunate that I have to file a claim on 8/12/2010. Well.. do you really think that was what I wanted to do? I was on the vacation trip to Lake Tahoe, knowing that my car was fully covered. I was proud to tell my friends by saying that I made a right choice buying after market warranty, since now I have peace of mind driving the car. It was a fun trip, and we enjoyed it. But transmission blown on the way back while I was still near Sacramento; and it was middle of now where. I called the 7/24 phone number immediately, but to my surprise, they DID NOT OFFER to do anything. I was left by myself. It was Sunday evening, where all the shops are closed. So I had to call AAA and have them come to tow my Jeep. Well, I have premium membership, so they can two the car free for 200 miles. But guess what, it is 400 miles between Los Angeles and Sacramento. To make the long story short, I had AAA tow my car to a U-Haul truck rental in Fresno (about 200 miles between LA and Sacramento) and camp there for one night. So in the morning I can rent a trailer to tow my Jeep back to Los Angeles. In this process, I spend $300 out of my pocket.
After I came back from the trip, I had been going through the claim process with you company. It was nothing but nightmare. Your company have been trying to find ways to refuse my claim. I provided all the documentation that you guys needed. It would take you weeks to receive one single fax, and I had to fax so many times. When it come down the car maintenance, I am the type of the person that accept all service suggestion from the maintenance shop. In a 20000 miles period, I have at least two transmission service done. Your company was trying to decline my claim by saying that I didn't replace transmission's OIL FILTER but indeed I did. I really took care of my car. I even bought the jeep to do oil service and have them check everything before I took it to the trip. Although I had the claim only 4 days after the effective date.. it was unfortunate, but hey, that's what one month grace period was for! I can swear to god that I bought the warranty in a good faith. I bought the warranty, and expect it to cover the repair when I need them. it is your company that did not honor the contract. It is completely rude to point your customer and say they are cheating. What kind of business practice is this?
After sitting my beloved Jeep in the shop for a month. IT WAS ME WHO PAID THE REPAIR. I had lost faith in your wrong doing.
I just want to let you know, it is not the money that care me the most. But what pisses me off is your company's attitude that try to make things in your favor. I ended up cancelling the contract. Again, took my entire two weeks to fax over the request form. Not to mention that only 50% were refunding.. Yes.. 50% of $1800 that I had pay in full. The cancelling contrast was full of ambiguous statement and legal agreement that favor your company, no protection to customer at all. It made me feel like I am a fool. I will do everything I can to prevent people from falling in your trap again. Say what you want to misled people in this blog. But the truth is truth. YOUR COMPANY IS NOT WROTHY TURSTING. PERIOD.
This company treats me like I am a scammer. This is totally rude and unprofessional! I can't imagine a reputable company handling complaints like this. People.. if you are reading this forum, and you are considering whether you should buy the warranty for DBW or not.. Read the above post by so called "Samuel Hughes". That is how they treat you once you hand the money into their pocket.
PS: Instead of 8/12/10. My car broke down on 8/14/10, and filed the claim after that.
I think many of people who interested in purchasing policy from Direct Buy Warraty will come across this site: http://www.automotivewarrantyreview.com/direc ... -1/#comment-749
This is what made me to belive that DWB is a creditable compnay. Well, they are not even close. So i posted my complaint there. But it is correnty waiting for "MODERATION".. I bet DWB is running this site themselve. Well.. I already took a screen shot.. and here is what I posted.
**************************************************************************
Direct Buy Warrnty is doing business in an unethical manner. I came across this very same website, and thought they are creditable. Paid them my hard earned money, butt later found out they are not! Many of the fellows and I had posted out story on https://complaintwire.org/Complaint.aspx/zxByHIKsGgDOdgjMRAeSZw. Please do some more reserach before you conduct business with this company.
Here are some fact you should know about this company:
1: This company uses the term “Pre-exisiting Condition” to decline people’s claim. The truth is, every car that roll out of dealer as a new car, can be considered having pre-existing condition. Since this company doesn’t require you to send the car to do condition check (like health check up for health insurance), and have a mutual agreement with you, they can easily decline you claim base on this term.
2. The customer service is one of the worst. They will find whatever excuses they can to delay your claim. For instance, they will play the “FAX GAME” with you, in which you fax them the document, but they claim they didn’t receive.
3. The cancellation is the killer. Once you pay them the money, you are at the point of no turning back. If you cancel the policy within 30 days, they will charge you $250. If you cancel the policy after 30 days, ONLY 50% WILL BE RETURNED!!! YES! ONLY 50%!
4. Upon cancellation, they will ask you to submit a request form. If you don’t complete the request form, THEY WILL NOT REFUND YOUR MONEY! Guess what, the form asks you to sing the agreement for GIVING UP THE RIGHT TO SUIT THEM. In other word, if you want to get the money back, you can’t suit them anymore, because by sign the paper, you gave up your right in legal actions against this company. What if you don’t sign? Well, they will keep you money.
Please! Be Smart! Do some research! Do not fall into something that you will regret!
*************************************************************************
Let see if the the message gets deleted.
PS: If this is the first time reading this forum, please be warnned. Think twice before dealing with direct buy warranty.
1: This company uses the term “Pre-exisiting Condition” to decline people’s claim. The truth is, every car that roll out of dealer as a new car, can be considered having pre-existing condition. Since this company doesn’t require you to send the car to do condition check (like health check up for health insurance), and have a mutual agreement with you, they can easily decline you claim base on this labeling it as pre-exsiting condition.
2. The customer service is one of the worst. They will find whatever excuses they can to delay your claim. For instance, they will play the “FAX GAME” with you, in which you fax them the document, but they claim they didn’t receive.
3. The cancellation is the killer. Once you pay them the money, you are at the point of no turning back. If you cancel the policy within 30 days, they will charge you $250. If you cancel the policy after 30 days, ONLY 50% WILL BE RETURNED!!! YES! ONLY 50%!
4. Upon cancellation, they will ask you to submit a request form. If you don’t complete the request form, THEY WILL NOT REFUND YOUR MONEY! Guess what, the form asks you to sign a agreement for GIVING UP THE RIGHT TO SUIT THEM. In other words, if you want to get the money back, you can’t suit them anymore, because by signing the paper, you gave up your right in pursuing legal actions against this company. What if you don’t sign? Well, they will keep you money.
Please! Be Smart! Do some research! Do not fall into something that you will regret!
I am an attorney in Las Vegas but also licensed in California where by brother lives. My brother bought a Direct Buy Auto Warranty Platinum Elite Protection and a few weeks after he bought the car (used with about 80,000 miles) his transmission went out. The mechanic wrote, "found dtc's resulting from valve body failure."
He filed a claim and your company denied it saying it was a pre-existing condition. First, all used cars have pre-existing conditions, second, the paperwork my brother gave me did not exclude pre-existing conditions. Third, how would your people know it was a pre-existing condition if it was never inspected prior to the breakdown. The policy says that it covers "All internally lubricated parts . . ." Certainly, a valve body is an internally lubricated part.
Please advise why I should not sue your company for bad faith.