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
When customers complain, they should be heard. Things will happen and some claims will not be covered and there are always two sides to each story- how you handle these complaints is what makes you a good or bad company. You have lost a customer with me because of your behavior.
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.
If you want another plaintiff on your law suit, count me in! I too am in California.
They denied my claim based on "lack of maintenance records." (I've only had the car for 5 months). I managed to obtain the prior owner's service records and then they called me, recorded my conversation without my consent, and tried to bully me into admitting that there was a "pre-existing condition." I did not do so.
Seriously, contact me - tamara@fisherindustries.net
(1) if you file a claim within that year, they can simply decline your claim by stating NON-Payment.
(2) if you do not claim within that year, then it's safe for them to take money away from you because you can't claim anymore as the year has ended. They will say, that lump sum is the coverage of that one year.
DIRECT BUY WARRANTY! STOP FOOLING PEOPLE!
However, when I called this afternoon, ~5:05 pm EST, they said they were closed. I was upset, but now maybe I am glad they did not answer, as I was ready to purchase.
I do see some positive notes regarding Direct Buy Warranty, but probably not enough.
I do have ALL the previous records AND the CarFax is up to date as well, showing no issues, only matinence being done on schedule.
My question to DBW: Why should I purchase a warranty from you?
Thank you.
MBenz; email: securewildwings@sbcglobal.net
Please read thru the stories on this forum.. and think twice!
They way they do business is unethical!!
Please read thru the stories on this forum.. and think twice!
They way they do business is unethical!!
I calmly asked him to calm down (he started at about a 7 in intensity) and to discuss it with me. I told him I put a claim with Bank of America against them because I never authorized the payment in the first place and that I am sure we could work it out as adults if he would calm down enough to discuss it with me.
He became more irate and I eventually had to hang up with him due to his very agressive behavior. He continued to call back and his threats became even more offensive after I hung up the first time. I eventually called my bank and had them call on my behalf, but he had already called me about 10 times. I am a 27 year old. 6 foot 200 pound man, and I was very shaken by his aggression.
I wanted to write your company and say ;
1: They authorized a payment without my approval
2: They tried to get far more info than needed from me to return my money back to my card they took it from (including my SSN)
3: They called with direct threats of lawsuits, federal crimes, credit reporting, and they never told me the call was being recorded or offered any sort of discussion to easily resolve the situation. They used vulgar language and multiple threats all before 7:40 in the morning.
NONE OF THAT IS LEGAL!!
Never has a company done something like this to me in my entire life. I am appalled by Direct Buy Warranties actions and felt it would be very important to share my story. I just don't want this happening to anyone else. Especially someone without the tough skin or life experience of myself.
I hope this email can shed a light on Direct Buys shady practices and will improve others auto warranty experiences in the future.
Thank you for your time.
FROM THE LOOK OF IT, YOU GUYS SUCKS.
1. EVERY CAR IS PRE-EXISTING, HOW DO YOU GUYS KNOW WHICH ONE TO DECLINE AND APPROVE WHEN YOU ALREADY TAKE EVERYONE'S MONEY.
2. FOR A COMPANY THAT BEEN THERE FOR YEARS, HOW IT'S NOT CREDITED BY BBB RATING.
3. IF YOU PUT YOUR COMPANY NAME ON GOOGLE, ALL WE SEE IS NEGATIVE COMPLAINS.
4. FOR ANYONE WHO READING THIS, YOU CAN TAKE THERE SCAM TO A STATE ATTORNEY AND THEY'LL HANDLE. ESPECIALLY PROVIDE WHAT THEY DON'T COVER.
EXAMPLE:
V. WHAT IS NOT COVERED BY THIS CONTRACT: A. Scheduled Maintenance Service and Adjustments. Maintenance services and parts recommended in the Vehicle Manufacturer’s Maintenance Schedule. Any of the following parts: throttle body, battery, battery cables, shock absorbers, struts, manual transmissions, thermostat, hoses, belts, brake pads, brake shoes, tune-up parts, safety restraint systems; glass; lenses; head lamp and projection lamp assemblies; sealed beams; light bulbs; fuses; circuit breakers; telephones; television / vcr; electronic and satellite transmitting / receiving devices; brake rotors and drums; exhaust and emission systems; weather stripping; trim; moldings; bright metal; chrome; upholstery; carpet ; zippers; cup holders; dash pad and vents; seat frame; paint; outside ornamentation; inside and outside door handles; mirrors; hinges; lift gate and hood supports; hubcaps/wheel covers; bumpers; body sheet metal and panels; body parts; frame; structural body parts; vinyl convertible tops; tires; wheels/rims. speakers and wiring.
The service writer was told that these items are excluded.
My policy clearly does not exclude these parts. So I filed a claim today and am waiting for a response. I have also been charged an international funds fee twice which was never disclosed to me by dbw. They have refunded them as soon as I have called but it is the inconvinence of the matter.
I will post here again once I have an answer from the claims department on the matter. All I can say is that if they are on the up and up great if not they picked the wrong person to try to cheat. I have multiple contacts with the BBB and state agencies. If you are going to offer something to a consumer then provide exactly what you have offered.
all_business02@yahoo.com
I sent an email to the company informing then to cancel the warranty, I received an email back in 5 minutes with a cancellation notice.
I do plan on pursuing this and filing a complaint with the insurance commissioner. I may not get a thing but at least they will have to respond.