Fox Concrete

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

The refund has been given however MrMcConnell failed to address the unprofessional conduct between claims adjuster Rodney and Mechanic Mr*** with Discount TireUntil we have addressed the misconduct of Rodney we respectfully reject this as resolved.Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** ***

COMPLAINT ID #*** FORD FVIN (Last 8): *** OUR FILE NO.: C*** Dear Ms*** am in receipt of your letter dated November 9, 2015, enclosing the above- referenced consumer complaint and respond as follows: On October 8, 2015, the customer purchased the above-referenced vehicle
On that same date, the customer also applied for a CARS Onyx Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on October 9, (the attached "Service Contract”)After a management review of the customer's consumer complaint, CARS determined that the customer was entitled to full refund of the amount CARS received for his Service ContractAttached please find a copy of our check no*** which will be mailed to the customer's lienholderBy Mr***' signature on his Service Contract he stated that he read understood and agreed to the Terms and Conditions contained thereinIt states under Terms and Conditions at Paragraph (a through d): CANCELLATION PROVISIONS: "You have the right to cancel Your Service Contract up to days from the effective date as stated on Your Cars I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paid, by providing a written request to cancel for a full refund of the amount received by C.A.R.S.” Please note that CARS service contracts are sold wholesale to selling dealersTherefore, what Mr*** paid for his Service Contract (i.e$2,400.00) is not what CARS received for the cost of his Service ContractThe amount received by CARS is reflected in the copy of the attached check made out to the customer's lienholderCARS advised the selling dealer that the customer is eligible for a refund and the selling dealer is responsible for providing the remaining amount to the customer's lienholder (see attached letter)When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact meSincerely,Jason ** *** General Counsel

December 18, VIA: Revdex.com WEBSITE Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA RE: FORD F
VIN (Last 8): *** OUR FILE NO.: C- Revdex.com COMPLAINT NO.: *** Dear Ms***: I am in receipt of your letter dated December 15, 2017, enclosing the customer’s consumer complaint the above-referenced vehicle. I would like to respond as follows: Our records indicate that on August 23, 2017, the customer purchased the above-referenced vehicleOn that same day, the customer also applied for a Value Limited Service Contract (Months/30,Miles). CARS received with payment and approved the customer’s Value Limited Service Contract on August 30, 2017. (See attached Service Contract) On November 7, at 4:p.m., the customer advised CARS that he was experiencing transmission issues. CARS then reviewed his Service Contract coverage, our claim procedures and towing benefits with him. On November 13, at 11:a.m., the customer advised CARS that his vehicle was towed to a repair facility due to the transmission cooler lines failing. The customer advised that he has to pay for the cooler lines to be replaced in order to show that there is an internal issue with his vehicle. CARS advised that if there was an internal issue with the customer’s vehicle, CARS would require tear-down to verify the cause of failure and the extent of damage to his vehicle. CARS further advised that the transmission cooler lines were non-covered components under his Service Contract; therefore, CARS was unable to assist with the repair of his vehicle On November 13, at 2:p.m., the customer advised CARS that a code for a cylinder misfire was displayed. CARS then reviewed the customer’s Service Contract coverage, tear-down and labor rate with the customer. The customer then requested to be transferred to our cancellations department. On November 13, at 2:p.m., CARS advised the customer that pursuant to his Service Contract, after twenty (20) days there was no credit for early termination of the Service Contract unless his vehicle was declared a total loss or repossessed. The customer was upset that we were not assisting with the transmission cooler lines. CARS again reviewed the customer’s Service Contract coverage with him. On November 27, at 11:a.m., the customer advised CARS that his vehicle was at a new repair facility and they are pulling transmission codes. CARS reviewed the customer’s Service Contract coverage and our claims procedures with him On November 27, at 1:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing transmission issues. CARS then reviewed our claim procedures with the repair facility On November 27, at 1:p.m., the repair facility advised CARS that the fluid in the customer’s vehicle was full and discolored with no visible metal. The repair facility advised that during a test drive of the vehicle the transmission did slip. CARS then advised the repair facility to obtain the customer’s permission to tear-down his vehicle to the point of failure to verify the cause of failure and extent of damage to his vehicle. CARS further advised that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Conditions of his Service Contract. On November 28, at 3:p.m., the customer advised CARS that another repair facility had done an improper repair to the transmission lines which caused the transmission lines to fail. The customer further advised that the transmission lines were repaired by the other repair facility; however, the transmission still did not work properly On November 29, at 8:a.m., the repair facility advised CARS that the repair facility had not yet pulled the transmission to determine the cause of failureCARS advised the repair facility that the customer’s vehicle had to be torn down to the point of failure to verify the cause of failure and extent of damage to his vehicle before we could move forward with the November 27, mechanical claim made on behalf of the customer’s vehicle On November 29, at 1:p.m., CARS advised the customer that we could not move forward with the November 27, mechanical claim until the repair facility provided us the cause of failure and extent of damage to his vehicle On November 30, at 3:p.m., CARS again advised the customer that we could not move forward with the November 27, mechanical claim until the repair facility provided us the cause of failure and extent of damage to his vehicle On November 30, at 4:p.m., the customer advised CARS that he wanted a remanufactured transmission to replace the failed transmission in his vehicle On December 4, at 1:p.m., the repair facility advised CARS that the customer’s vehicle had been removed from the repair facility. CARS then closed the claim On December 15, at 12:p.m., CARS reviewed the customer’s Service Contract coverage and the November 27, mechanical claim with him. CARS advised the customer that he was not eligible under his Service Contract for a refund of his Service Contract By the customer’s signature on his Value Limited Service Contract he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service Contract. The customer’s Service Contract states under Terms and Conditions at 3(c): “SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear-down to the point of component failure, performed by the repair facility, to determine the cause of failure and the extent of damage and You are responsible for all charges.” We include tear-down to the point of component failure in our diagnostics in order for CARS to determine what has caused the failure of a covered component and the extent of damage to the customer’s vehicle. This increases the probability that the vehicle will be repaired properly the first time. We were not requiring unnecessary tear-down and diagnosis of the customer’s vehicle; we were only trying to determine the cause of failure. Here, the repair facility never provided CARS with the cause of failure and extent of damage to the customer’s vehicle so that we could move forward with November 27, mechanical claim made on behalf of the customer’s vehicle. The customer’s Service Contract states under Terms and Conditions at Paragraph 3(f): “SERVICE CONTRACT CLAIM PROCEDURE: CARS has the right to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs.” When CARS selects a replacement part we used the cost of the part to be calculated towards the total amount of the claim. The part could either be shipped to the repair facility or included in the amount of the claim allowance as previously statedIt is the customer’s decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleAny supplied parts we provide are to be tested by our suppliers and known to be in good working conditionHere, CARS was never provided with the cause of failure or the extent of damage to the customer’s vehicle; therefore, we could not determine what parts were required for the repair of the customer’s vehicle. Under the customer’s Service Contract, we were not required to cover the full cost of the repair. The customer’s Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverage. Various provisions of the service contract inform the customer what components are specifically covered and his financial responsibility for the tear-down, diagnosis charges, filters, difference in labor rate, labor time, shop supplies, programming, non-covered components, maintenance items and taxes. For all the reasons stated above, CARS was unable to move forward with the repair of the customer’s vehicleThe repair facility never provided CARS with the cause of failure or the extent of damage to the customer’s vehicle. Therefore, CARS was unable to determine if the failures to the customer’s vehicle were covered under the customer’s Service Contract. CARS neither approved nor denied the November 27, mechanical claim made on behalf of the customer’s vehicle. If the customer if willing to give his permission to a repair facility to perform tear-down of his vehicle to the point of failure to verify the cause of failure and extent of damage to his vehicle, the customer may have a repair facility open a new mechanical claim on behalf of his vehicleCARS will then process any mechanical claim opened on behalf of the customer’s vehicle pursuant to the Terms and Conditions of his Service Contract In his consumer complaint the customer states that he would like a refund of his Service ContractThe customer’s Service Contract states at Paragraph (a) and (b): “CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested.” and “After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated.” Therefore, pursuant to the customer’s Service Contract he is not entitled to a refund. The customer’s vehicle has Service Contract coverage through August 30, 2018. If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer’s Service Contract. If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer’s Service Contract. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further question, please contact my office Sincerely, Jason ** M*** General Counsel JPM/jmm Attachment Tell us why here

January 25, 2018VIA: Revdex.com WEBSITE Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220 RE: HONDA PILOT TOURING VIN (Last 8): *** OUR FILE NO.: *** Revdex.com COMPLAINT NO.: *** Dear Ms***: I am in receipt of your letter dated January 18, 2018, enclosing the customer’s consumer complaint regarding the above-referenced vehicle. I would like to respond as follows: Our records indicate that on March 9, 2017, the customer purchased the above-referenced vehicle. On that same day, the customer also applied for a Value Plus Service Contract (Months/Unlimited Miles). CARS received with payment and approved the customer’s Value Plus Service Contract on March 13, 2017. (See attached Service Contract). On August 3, at 10:a.m., CARS reviewed the customer’s Service Contract coverage and effective date with her. On August 10, at 10:a.m., CARS advised the customer that struts and bushings are non-covered components under her Service Contract. On September 29, at 11:a.m., CARS advised the customer that the wheel speed sensor is a covered component under her Service Contract. On October 3, at 1:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing ABS wheel speed sensor issues. CARS then reviewed our claim procedures with the repair facility. The repair facility then advised CARS that the customer’s vehicle was not at the repair facility On October 4, at 1:p.m., CARS reviewed the customer’s Service Contract coverage and our claim procedures with her. CARS further advised that the customer’s vehicle must be at the repair facility in order for a claim to be opened. On October 10, at 2:p.m., a repair facility advised CARS that the customer’s vehicle was experiencing left front wheel speed sensor issues. CARS then went over our claim procedures with the repair facility. On October 10, at 3:p.m., CARS advised the repair facility that the total cost of the part (wheel speed sensor) was $and labor (hours) was $were less than the $deductible; therefore, we were unable to assist with the repair of the customer’s vehicleHowever, CARS did offer to ship the wheel speed sensor needed for the repair of the customer’s vehicle. The repair facility advised CARS that if the customer wanted to have the wheel speed sensor shipped to the repair facility, the repair facility would contact CARS. On October 10, at 3:p.m., CARS reviewed the customer’s Service Contract coverage with her and advised that we could ship the wheel speed sensor to the repair facility at no cost to herThe customer advised that she would like to speak to the cancellations department. On October 10, at 4:p.m., the customer advised CARS that she wanted to cancel her Service Contract. CARS advised the customer that since twenty (20) days from the approval date of her Service Contract had passed, she was not eligible for a refund of her Service Contract. By the customer’s signature on her Value Plus Service Contract she acknowledged that she read, understood and agreed to the Terms and Conditions of the Service ContractThe customer’s Service Contract states under Terms and Conditions at (k): “PROVISIONS OF THE SERVICE CONTRACT: CARS will arrange for payment of the amount of the authorized repair, less related charges not covered by the Service Contract, less a $deductible per claim.” The customer is responsible for a $deductible for each claim authorized by CARSHere, as stated above, CARS could assist with the replacement of the wheel speed sensor in the amount of $and labor in the amount of $The total value of the customer’s claim was $67.63; however, the wheel speed sensor claim was also subject to a $deductible. We explained to the repair facility that the total value of the authorized claim was less than the deductible; therefore, we were unable to assist with the repair of the customer’s vehicleHere, CARS advised both the customer and the repair facility that we could ship the wheel speed sensor at no cost to the customer; however, CARS did not hear back from the repair facility or the customer advising us to ship the supplied part The customer’s Service Contract states under Terms and Conditions at Paragraph 3(f): “SERVICE CONTRACT CLAIM PROCEDURE: CARS has the option to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs.” When CARS selected the above-mentioned new aftermarket replacement part we used the cost of the part to either be shipped to the repair facility and to calculate the total amount of the claimHere, CARS was able to find a new aftermarket wheel speed sensor from a supplier for the repair of the customer’s vehicle in the amount of $32.63. The customer’s Service Contract is to be utilized to assist with the repair of her vehicle and does not provide “all inclusive” coverage. Therefore, pursuant to the customer’s Service Contract, CARS is not required to pay the full cost of the repairs. The Service Contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverage. Various provisions of the Service Contract inform the customer what is specifically covered and her financial responsibility for the tear-down, diagnosis charges, non-covered components, filters, taxes, the difference in labor rates and labor time and deductible. In her consumer complaint the customer states that she would like a refund of her Service ContractThe customer’s Service Contract states at Paragraph (a) and (b): “CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested.” and “After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated.” Here, twenty (20) days have passed since the customer’s Service Contract was approved; therefore, the customer is not eligible for a refund The customer’s vehicle has Service Contract coverage through March 13, 2019. If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer’s Service Contract. If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer’s Service Contract. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact my office. Sincerely, Jason ** M*** General Counsel JPM/jmm

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

July 3,2017VIA: Revdex.com WEBSITE*** ***Revdex.com of Western PennsylvaniaHoliday Drive, Suite 220Pittsburgh, PA 15220RE: COMPLAINT ID# ***VIN (Last 8): ***OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated June 22, 2017, enclosing the above-referenced consumer
complaint.Please be advised that CARS has resolved all the issues regarding this complaint with the customer.Therefore, at this time, CARS is requesting that you mark this complaint as resolvedIf you have any further questions regarding this matter, please do not hesitate to contact my office.Sincerely,Jason *M***General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I feel as though Cars Protection Inc's is misleading and doesn't account for unusual circumstances I purchased the plan for a peace of mind when puchasing a used vehicle I would not recommend anyone purchase their plans I purchased one of their value plus plans When my engine in my car went out months after I purchased the plan, the wanted me to pay fee to have my engine torn down This is written in the contract that I signed but I do not feel as though it is fair for me to pay over $to have my engine taken apart without them being able to guarantee me that they would cover the cost of the repair once the cause of engine failure was determine They want me to pay to have my engine taken apart without being able to promise that they would cover the repair even after two place told me that I needed a new engine The customer service reps and supervisors were rude and all they kept saying was you signed the contractNo customer service skills and we're unwilling to refund any of my plan I would recommend keeping the money you pay for this extended warranty and doing paying for your own repairs
Regards,
*** ***

February 4, 2016VIA: Revdex.com WEBSITERE: COMPLAINT ID #***AUDI AVIN (Last 8): *** OUR FILE NO.: ***Dear Ms***:I am in receipt of your letter dated February 1, enclosing the above-referenced consumer complaint and respond as follows: On September 18, 2014, the customer
purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on September 19, (the attached "Service Contract”).On January 4, at 1:p.m., CARS received a telephone call from the customer's son advising that the customer’s vehicle was transmission issuesCARS reviewed transmission coverage and claim procedures pursuant to the customer's Service Contract.First Claim: On January 11, at 1:p.m., a repair facility contacted CARS advising that the customer’s vehicle was experiencing transmission issuesCARS then reviewed our claim procedures with the repair facility.On January 11, at 2:p.m., CARS contacted the repair facility to inquire if they performed internal transmission workThe repair facility advised that they only performed removal and replacement of transmissionsCARS then advised the repair facility that the customer would have to move her vehicle to another repair facility capable to perform tear-down to the point of component failure.On January 11, at 2:p.m., CARS advised the customer that the repair facility that her vehicle was at for the transmission issues with her vehicle does not perform internal transmission workCARS further advised that the repair facility's labor rate was $per hour and her Service Contract paid up to $per hourWe advised that she would have to move her vehicle to a repair facility that is capable of performing internal transmission workThe claim was then closed.Second Claim: On January 18, at 2:p.m., a repair facility contacted CARS advising that the customer's vehicle was experiencing transmission issuesCARS then reviewed our claim procedures with the repair facility.On January 18, at 3:p.m., the repair facility advised CARS that the customer's vehicle was towed to the repair facility on January 15, The repair facility advised that there were no leaks and the fluid was full and varnishedThe repair facility further advised that check engine light was displayed along with seven (7) codes and none were transmission codesCARS advised the repair facility to obtain the customer’s authorization to tear-down her vehicle to the point of failure to verify the cause of failure and extent of damage to her vehicleCARS further advised that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Conditions of her Service Contract.On January 19, at 3:p.m., the customer telephoned CARS to ask what was covered under her Service ContractCARS advised that her Service Contract covers internally lubricated parts within the transmission housingCARS advised that without teardown to the point of failure to verify the cause of failure and extent of damage, CARS would be unable to move forward with her transmission claim.On January 25, at 10:a.m., the repair facility advised CARS that the cause of failure was that the clutch drum broke causing metal in the fluid.On January 26, at 9:a.m., after CARS had the opportunity to check on the availability of parts, we then went over the amount we could authorize with the repair facility as follows: We could supply a transmission for $1,We could also authorize $towards fluid for the repairMitchell OnDemand labor guide stated that the repair should take hours to complete and the customer's Service Contract pays up to $per hourTherefore, total labor covered was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $1,503.00, and we could supply the parts as stated above and pay $towards labor and $towards fluids for the repair or pay $1,towards the repair of the customer's choiceWe then asked the repair facility to get back us with the customer's decision.On January 26, at 10:a.m., the repair facility advised CARS that the customer chose to take the cash allowance to use towards the repair of her choiceCARS provided the repair facility with an authorization number to begin repairs to the customer's vehicle.On February 2, at 2:p.m., the customer telephoned CARS to question the amount she paid for the repair of her vehicleCARS advised that we were informed by the repair facility she would take the cash allowance to use towards the repair of choiceWe advised that she had the option of having CARS supply a transmission to the repair facility for her vehicleThe customer advised that the repair facility never gave her that optionCARS advised that she would have to speak to her repair facility about not presenting her with that option.CARS will pay the repair facility in the amount of $1,via credit card upon receipt of a proper invoice.By the customer's signature on the Service Contract, she acknowledged that she has read, understood, and agreed to the Terms and Conditions of her Service ContractIt states under Terms and Conditions at Paragraph (f): "SERVICE CONTRACT CLAIM PROCEDURES CARS has the option to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs.” When CARS selected the above-mentioned replacement part we use the cost of the part to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt is the customer’s decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleAny supplied parts we provide are tested and known to be in good working conditionNowhere in our contract does it state that we must provide the customer with a new part when replacing a failed component.The customer's Service Contract states at Paragraph (c) "SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear-down to the point of componentfailure, performed by the repair facility, to determine the cause of failure and the extent of damageYou are responsible for all charges relating to the tear-down and diagnosis of the vehicle.” We include teardown to the point of component failure in our diagnostics in order for CARS to determine if the failed component was coveredThis increases the probability that the vehicle will be repaired properly the first timeWe were not requiring unnecessary teardown and diagnosis; we were only trying to determine the cause of failureCARS is not responsible for any tear-down time.The Service Contract states under Labor: "The authorized time for a repair will be based on the Mitchell OnDemand labor guideThe hourly labor rate will be the repair facility’s rate up to $per hourShould your repair facility’s rate exceed this amount, you are responsible for the difference." During the claim intake calls on January 18, the repair facility advised CARS that the cost of labor was $per hourUpon receipt of a properly submitted invoice to CARS from the repair facility, CARS will pay for hours of labor at $per hour for the January 18, transmission claimAs stated above, the time allowed for repairs is based on Mitchell’s OnDemand Labor GuideThe customer is responsible for any amount of time over the allowed amountCARS is not responsible for any tear-down time.The customer's Service Contract states: "RENTAL BENEFITS The Service ContractHolder will be reimbursed $for each eight hours of Mitchell OnDemand labor guide time to repair or replace the covered component with a maximum benefit of $per claim, if proof of rental is provided with an authorized claimDown time, regardless ofreason, is not included." Here, as stated above the time to repair/replace the covered components was hoursTherefore, CARS will pay the customer $toward the rental costs incurred during the repair of her vehicle.It is also states at Paragraph (s): "COMPONENTS AND EXPENSES NOT COVERED: Taxes and repair facility charges." Here, pursuant to the customer's Service Contract, she is responsible for any taxes incurred with the repair of her vehicle. Contract, CARS is not required to pay the full cost of the repairsThe Service Contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what is specifically covered and the customer's financial responsibility for the tear-down, diagnosis charges, filters, taxes, the difference in labor rates and deductible.CARS has fulfilled all of its obligations under the customer's Service ContractThe customer has Service Contract coverage on her vehicle through September 19, Should her vehicle incur future mechanical problems, CARS will process the claim to determine if the failed component is covered under the Service ContractIf the failed component is covered, CARS will authorize and pay the claim in accordance to the terms and conditions of her Service Contract.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me

August 19, VIA: ELECTRONICALLY THROUGH Revdex.com WEBSITE *** *** RE: COMPLAINT ID #*** *** *** VIN (Last 8): *** OUR FILE NO.: *** Dear Ms***: I am in receipt of your letter dated August 19, 2015, enclosing the above-referenced
consumer complaint and respond as follows: According to our records, the customer purchased the above-referenced vehicle on June 12, On that same date the customer also applied for a CARS Power Train Service Contract (Months/4,Miles) and the same was received with payment and approved by CARS on July 1, (See attached Service Contract)On July 27, 2015, at 4:p.m., CARS received a telephone call from the repair facility advising that the customer’s vehicle was experiencing cylinder head and air pump issuesWe then went over our claim procedures with the repair facilityOn July 27, 2015, at 4:p.m., the repair facility advised CARS that there was smoke from the tailpipe and leaks from the valve cover gasketCARS again went over our claim procedures with the repair facilityCARS advised the repair facility to obtain the customer's authorization to tear-down his vehicle to the point of failure and to verify the cause of failure and extent of damage to his vehicleCARS further advised that the customer was responsible for all tear-down/diagnostic charges pursuant to the Terms and Condition of his Service ContractFourteen (14) days later, on August 10, 2015, at 11:a.m., the repair facility advised CARS that the vehicle was smokingThe repair facility further advised that the customer's vehicle had not been touched by the repair facility because the customer advised that he would not pay for the tear-down chargesCARS explained that we needed to know what had failed on the customer's vehicle in order to move forward with the claimThe repair facility's contact person translated for the mechanic and advised that the mechanic was not sure if the valve seals and/or valve guides had failedCARS again explained that we needed to confirm the cause of failure to determine coverage under the customer's Service ContractThe repair facility advised that they would have the customer call CARSOn August 10, 2015, at 3:p.m., a claims manager returned a telephone call to the customer's mother who advised CARS that she wants to make sure CARS will pay for the repair of her son's vehicle prior to authorizing tear-downCARS advised her that we cannot guarantee anything other than CARS will proceed with the claim according to the Terms and Conditions of her son's Service ContractCARS further advised that we cannot move forward with the claim until it is verified that a covered component under her son’s Service Contract has failedOn August 12, 2015, at 2:p.m., the repair facility advised CARS that the cylinder heads were off and the valve stem seals were the only component needed to repair the customer's vehicleOn August 13, 2015, at 4:p.m., CARS advised the repair facility that we were unable to assist with the repair of the customer's vehicle pursuant to the Terms and Conditions of the customer's Service Contract, specifically, valve seals are non-covered componentsAfter a management review of the July 27, mechanical claim made on behalf of the customer’s vehicle, in a goodwill gesture, CARS is willing to assist with the repair of the customer’s vehicle as follows: We could supply the head gasket set for $194.50, the upper intake set for $and the head bolts for $ProDemand labor guide stated that decking and the repair should take hours to complete and the customer's service contract pays up to $per hourTherefore, total labor covered is $2,The claim was also subject to a $deductibleThe total value of the claim after the deductible was applied is $2,629.25, and we could supply the parts as stated above and pay $2,towards decking and labor or pay $2,towards the repair of the customer's choiceThe repair facility telephone must telephone CARS with the customer's decision prior to any repairs being done to the customer's vehicleBy his signature, the customer acknowledged that he read, understood and agreed to the terms and conditions contained thereinThe customer's Service Contract states under Terms and Conditions at Paragraph 3(c): "SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear-down to the point of component failure, performed by the repair facility, to determine the cause of failure and the extent of damage and You are responsible for all charges." We include teardown to the point of component failure in our diagnostics in order for CARS to determine if the failed component was coveredThis increases the probability that the vehicle will be repaired properly the first timeWe were not requiring unnecessary teardown and diagnosis; we were only trying to determine the cause of failureThe customer's Service Contract states at Paragraph (k): "CARS will arrange for payment of the authorized repair, less related charges not covered by the Service Contract, less a $deductible per claim." The customer is responsible for $of the authorized amount for the repair of his vehicleIt states under Terms and Conditions at Paragraph 3(f): "SERVICE CONTRACT CLAIM PROCEDURE: CARS has the option to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs." When CARS selected the above- mentioned replacement parts we use the cost of the parts to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt is the customer's decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleAny supplied parts we provide are tested and known to be in good working conditionNowhere in our contract does it state that we must provide the customer with a new part when replacing a failed componentUnder the customer's Service Contract, we were not required to cover the full cost of the repairThe service contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and the customer's financial responsibility for the tear down, diagnosis charges, filters, and taxesIf the Service Contract holder has any questions, CARS requests that the customer calls CARS directlyWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me Sincerely,Jason ** ***General Counsel ***

RE: COMPLAINT ID #***CHEVY IMPALA VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated November 17, 2015, enclosing the above-referenced consumer complaint and respond as follows; According to our records the customer purchased the above referenced
vehicle on July 8, 2015, On that same date, he also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles), The Service Contract Application listed that on the date of purchase the vehicle registered miles on the odometerThe customer's Service Contract was then accepted with payment by CARS on July 9, (See attached "Service Contract").On August 28, at 11:a.m., CARS received a telephone call from the customer advising that the check engine light was displayed in his vehicle and there may also be transmission issuesCARS then reviewed the customer's Service Contract coverage and our claim procedures.On September 22, at 11:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing transmission issuesThe repair facility also advised that odometer registered miles; which was less miles than the original mileage listed on the Service Contract as the current odometer reading on the date of purchase (July 8, 2015)During that same telephone call, CARS advised the repair facility that we would be unable to assist with the repair of the customer's vehicle, because of the discrepancy in the mileage provided by the selling dealer and the repair facilityWe explained to the repair facility that the customer needed to have the selling dealer provide CARS with proof of mileage for his vehicle on the date of purchaseCARS then closed the claim pursuant to the Terms and Conditions of the customer's Service Contract.On September 24, at 1:p.m., the selling dealer advised CARS that he would fax documents to correct the customer's mileage; however, CARS has no record of ever receiving information as a result of this telephone conversation.On September 30, at 10:a.m., CARS left a message for the customer to return our telephone call in response to an online submission from the customer regarding the mileage issue with his ServicevehicleThe selling dealer advised CARS that she would search for the necessary documentation and fax it to CARSAgain, CARS has no record of ever receiving any paperwork as a result of this telephone conversation.On September 30, at 4:p.m., the customer returned CARS' telephone callCARS advised that we would need either the title, bill of sale or an odometer statement to correct the mileage on the customer's Service ContractThe customer advised that he did not have any of the required documents in his possessionCARS then referred the customer to the selling dealer and advised that dealer was aware of what documentation was needed for a correction to be made.On October 7, at 4:p.m., the customer again called to inquire if we received the necessary documentation from the selling dealerCARS advised the customer that the selling dealer had not provided jjg_with any information regarding the mileage listed on his Service ContractWe again reviewed what documentation was required for CARS to make changes to the mileage listed on the Service ContractThis telephone call was the last communication CARS had with the customer or the selling dealer until we received the above-referenced consumer complaint on November 17, 2015.On November 17, 2015, CARS telephoned the selling dealer two [2) times to attempt to rectify the customer’s issue with the mileageThe dealer did not return CARS' call.On November 18, 2015, CARS received an Odometer Disclosure Statement from the selling dealer via email stating that the odometer registered 123,miles on the date of purchase (attached)CARS then made the corrections to our records.On November 18, at 5:p.m., CARS telephoned the repair facility, who had attempted to open a claim on September 22, 2015, to obtain an update on the customer’s vehicleCARS was advised that the manager of the repair facility would telephone CARS on November 19, 2015.On November 19, at 2:p.m., CARS again telephoned the previous repair facility to obtain an update on the customer's vehicleCARS was advised by the manager that there were no Chevy Impala's there for repairCARS then closed the claim.On November 19, 2015, CARS left a voice message advising the customer to have a repair facility open a claim on behalf of his vehicleWe further advised that we would process the claim pursuant to the Terms and Conditions of his Service Contract.By the customer's signature on his Value Plus Service Contract (Months/Unlimited Miles), he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinDirectly above the customer’s signature the Service Contract states: "ACCEPTANCE TO TERMS: I have read, understand and agree to the Covered Components and Terms and Conditions as stated on the front and reverse side of this Service Contract ApplicationThis Service Contract does NOT go into effect until: (1) this application is received by CARS Protection Plus, Inc("CARS"), (2) with proper payment, and approved by CARS, which may be different than my date of purchaseI certify the information above is true and correct, and I will contact CARS if I have not received a CARS LDcard within daysI understand that I am responsible for $deductible per claimI acknowledge receipt of my copy of this Service Contract." Here, the odometer reading listed on the Service Contract was inaccurate; therefore, CARS was correct in requesting information from the customer/dealer regarding the true mileage on the customer's vehicle at the time of purchase.CARS would like to point out here that the having the correct odometer reading on the Service Contract is a requirement by CARS in order for us to make informed decision on component coverage when a claim is opened on behalf of a customer’s vehicleThe listing of the correct mileage is veryService Contract purchase can be equated to a vehicle's "date of birth” and is used to ensure regular and proper maintenance of a vehicle, such as an oil change, air filter change, tire wear, etcThe wrong mileage listed on the service contract can prevent this type of maintenance which is critical to the long term health and care of a vehicle from being tracked by the customer and CARSThis, of course, is also a critical component to determine the value of a vehicleHere, the customer signed his Service Contract stating that the above information was true; however, he later informed CARS that the mileage information provided by the selling dealer was in errorTherefore, CARS was correct in not moving forward with the customer’s claim until we were provided documentation from the dealer that an error had been made and were provided with the corrected information.CARS relies on the information provided to us by the dealers, repair facilities and/or customer, since we cannot inspect every vehicle that has a service contract with usHere, the dealer listed the current odometer reading on the date of purchase as milesAt our request, the dealer provided documentation to CARS on November 18, stating that the odometer reading at the time of purchase was 123,miles.As stated above the customer needs to have a repair facility open a claim on behalf vehicle as outlined under the Terms and Conditions of his Service ContractWhen a claim is opened CARS will process the claim to determine if the failed component is covered under the customer's Service Contract, If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer's Service Contract.At this time CARS considers the customer's consumer complaint resolved.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,*** ** *** General Counsel

January 27, VIA: SUBMITTED TO Revdex.com WEBSITE RE: COMPLAINT ID #*** VOLVO XCVIN (Last 8): *** OUR FILE NO.: C-*** Dear Ms***: I am in receipt of your letter dated January 26, 2016, enclosing the above-referenced consumer
complaintI would like to respond in the following manner: On July 2, 2014, the customer purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles) and the same was accepted with payment by CARS on July 31, (the attached "Service Contract”)On January 14, at 1:p.m., CARS received a telephone call from a repair facility advising that the customer’s vehicle was experiencing starter issuesWe then went over our claim procedures with the repair facilityOn January 14, at 1:p.m., after again reviewing our claim procedures with the repair facility, CARS went over the amount we could authorize for the claim with the repair facility as follows: We could supply the starter for $Mitchell OnDemand labor guide stated the total repair should take hours to complete, and the customer's Service Contract pays up to $per hour for laborTherefore, total labor was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $46.72, and we could supply the part as stated above; however we were unable to assist with labor since the labor cost was less than the deductible or pay $towards the repair of the customer’s choiceThe repair facility advised CARS that the cash allowance would be used towards the repair of the customer’s vehicleOn January 18, CARS paid the repair facility in the amount of $via credit card pursuant to the Terms and Conditions of his Service ContractThe claim was then closedBy the customer’s signature on his Value Plus Service Contract he acknowledged that he read, understood and agreed to the Terms and Conditions of his Service ContractIt is stated in the Service Contract at Paragraph (f): "SERVICE CONTRACT CLAIM PROCEDURE: CARS has the right to select and/or supply used, rebuilt, or aftermarket components when authorizing repairs." When CARS selected the above-mentioned replacement parts we use the cost of the parts to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt was the customer's decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicleNowhere in our contract does it state that we must provide the customer with a new part when replacing a failed componentHere, as stated above the customer had the option of taking the cash allowance of $towards the repair of his choice or having CARS supply the starterThe repair facility advised us that the cash allowance would be used towards the repair of the customer’s choiceUnder the customer’s Service Contract, we were not required to cover the full cost of the repairThe Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it is not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and the customer’s financial responsibility for the tear down, diagnosis charges, filters, and taxesUpon further review of the customer's claim, CARS is willing to pay the remainder of the labor costs ($labor - $allowance) in the amount of $to the customerHowever, in his consumer complaint the customer stated that he would like a full refund of the amount he paid for his Service ContractThe customer’s Service Contract states under Terms and Conditions at Paragraph (a through d): CANCELLATION PROVISIONS: "There is no credit for early termination except if the vehicle is declared a total loss by the carrier insuring the vehicle or if the vehicle is repossessed by the lien holder as statedC.A.R.Sshall refund to the dealer a portion of the amount received by C.A.R.Sfor your Service Contract on a monthly prorated basis, less a service fee (not to exceed $50.00), as long as no claims have been made against the vehicleIf a vehicle is altered or modified after purchase and if a claim has been made or paid, the Service Contract is cancelled and no refund shall be issued; and If the Service Contract is financed, you have the right to cancel the contract within the first days by providing a written request to cancel for a full refund of the amount received by C.A.R.Sfor the Service Contract, less any claims paidThe refund shall be paid to the lien holderAfter days, you have the right to cancel the Service Contract at anytime by providing a written request to cancelThe lien holder will be refunded a prorated refund of the amount received by C.A.R.Sfor the Service Contract, less a service fee (not to exceed $50.00), less any claims paid." CARS is regulated on refund policies by each state that CARS conducts business in and we strictly adhere in those states where their statutes supersede our cancellation provisionsHere, the customer signed the service contract application when he purchased the above-referenced vehicle stating that he had read, understood and agreed to the terms of the service contractCARS is not directed by Maryland statute to issue a refund for the cancellation of the customer's Service ContractIf the customer currently has a lienholder and supplies CARS with the name and address of his lienholder; CARS will provide a General Release for the customer's signatureUpon receipt of the executed General Release, CARS will issue a check for a prorated refund less service fee and less claims paid for the amount CARS received from the selling dealer for the customer's Service Contract to the lienholderCARS’ check to the lienholder will be in the amount of $ CARS service contracts are sold wholesale to dealers; therefore, CARS only receives a set price for each contract sold and any remaining monies owed to the customer are between the customer and the dealerAs stated above the customer has the option of having CARS pay an additional $towards the labor cost for the repair of his vehicle or a prorated refund of the amount CARS received from the selling dealer, which will be directly paid to the lienholderThe customer has Service Contract coverage through July 31, If a claim is opened CARS will process the claim to determine if the failed component is covered under the customer's Service ContractIf the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of his Value Plus Service ContractWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact meSincerely,Jason P***General Counsel

RE: COMPLAINT ID #*** SUBARU IMPREZA VIN (Last 8): *** OUR FILE NO.: C-*** Dear Ms***: I am in receipt of your February 16, letter enclosing the customer’s consumer complaint and respond as follows: On November 14, 2015, the customer
purchased the above-referenced vehicleOn that same date, the customer also applied for a CARS Value Limited Service Contract (Months/4,Miles) and the same was accepted with payment and approved by CARS on November 18, (the attached "Service Contract")The customer's Service Contract expires on February 18, On February 9, 2016, at 2:p.m., a mechanical claim was opened by a repair facility on behalf of the customer’s vehicleThe repair facility advised that the customer's vehicle was experiencing cylinder head, timing belt, water pump and valve cover issuesWe then went over our claim procedures with the repair facilityOn February 9, 2016, at 2:p.m., the repair facility advised CARS that the customer's vehicle had an oil leak on the right side of the engineThe repair facility advised that the cam seal became overheated and melted causing an active leakThe repair facility further advised that the customer's vehicle needed a head, the intake valve was stuck and the timing belt was contaminated from the oil leakCARS then advised the repair facility to obtain the cause of failure and extent of damage to the customer's vehicle and contact CARS with their findingsOn February 10, 2016, at 11:a.m., the repair facility advised that after the front cover was removed they found the right cam seal had melted and caused an oil leakThe repair facility advised that the cam caps and rocker arms were discolored and the cylinder head needed to be replacedCARS then advised the repair facility to fax an estimate to CARS for reviewOn February 11, 2016, at 9:a.m., CARS advised the repair facility that the failure to the customer's vehicle was caused by an oil leak; therefore, pursuant to the Terms and Conditions of the customer’s Service Contract, CARS was not able to assist with the repair to the customer’s vehicleOn February 11, 2016, at 9:a.m., CARS reviewed the claim with the customer and advised that pursuant to the Terms and Conditions of his Service Contract, CARS was not able to assist with the repair to the customer’s vehicleOn February 11, 2016, at 11:a.m., CARS reviewed the claim with the repair facility and advised that according to the estimate submitted by the repair facility, all of the failures to the engine were caused by oil leaksCARS advised that pursuant to the customer’s Service Contract, CARS is unable to assist with any failures caused by oil leaksBy the customer's signature on his Value Limited Service Contract, the customer acknowledged that he read, understood and agreed to the terms and conditions of the service contract contained thereinThe customer’s service contract states under Covered Components: "SEALS & GASKETS: NOT COVERED: Seals, gaskets, and fluids are covered only when required in conjunction with replacement of a covered componentAdditionally, cylinder head gaskets are covered for combustion and coolant leaksIntake manifold gaskets are covered for coolant leaks onlyNOT COVERED: oil and vacuum leaks." Furthermore the customer's Service Contract states under Terms and Conditions at Paragraph l(q): "COMPONENTS AND EXPENSES NOT COVERED: Fluid leaks and damage caused by fluid leaks.” Here, the repair facility chosen by the customer to repair his vehicle found that a failed cam seal (non-covered component) caused an oil leak which caused the damage to the customer's vehicleUnder the customer's Service Contract, we were not required to cover the full cost of the repairThe customer's Service Contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what components are specifically covered and the customer's financial responsibility for the tear-down, diagnosis charges, filters, and taxesFor these reasons, CARS stands by its decision and is unable to offer any assistance with the February 9, claim made on behalf of his vehicle pursuant to the Terms and Conditions of his Service ContractWhen a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this this matter, please do not hesitate to contact me Sincerely,Jason ** ***General Counsel

Attached please find CARS' response.RE: COMPLAINT ID #***AUDIA6VIN (Last 8): 6***OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated February 18, enclosing the additional concerns of the customer regarding the above-referenced consumer complaint and respond as follows:In her additional concerns the customer states her main reason for her Revdex.com consumer complaint is that CARS is making her responsible for payment of the tear-down and diagnostic charges related to the January 18, transmission claim made on behalf of her vehicleBy the customer's signature on her Service Contract, she acknowledged that she has read, understood, and agreed to the Terms and Conditions of her Service ContractIt states under Terms and Conditions at Paragraph (c) "SERVICE CONTRACT CLAIM PROCEDURES: A proper diagnosis shall include tear-down to the point ofcomponent failure, performed by the repair facility, to determine the cause of failure and the extent of damageYou are responsible for all charges relating to the tear-down and diagnosis of the vehicle.”CARS includes teardown to the point of component failure in our diagnostics in order for CARS to determine if the failed component was coveredThis increases the probability that the vehicle will be repaired properly the first timeWe were not requiring unnecessary teardown and diagnosis; we were only trying to determine the cause of failureCARS is not in any violation of any Consumer Protection Law in Pennsylvania that prohibits the customer from being responsible for tear-down and diagnostic chargesThe invoice submitted by the repair facility shows a tear-down charge of $570.00, which is the customer's responsibility.In the customer's additional concerns she questions why CARS did not go over the options for the repair of her vehicle as we did when her vehicle was at the first repair facilityThe customer’s Service Contract states at Paragraph 3(a]: "SERVICE CONTRACT CLAIM PROCEDURE: Your vehicle must be at a repair facility, within the continental United States, open to the public during business hours and capable to: perform tear-down to the point of component failure, determine the cause and extent of damage, and rebuild the component if CARS deems necessaryThe vehicle must remain at the repair facility until repairs are completeCARS reserves the right to have the repairs performed at a location other than the one you have selected."On January 11, at 2:p.m., CARS telephoned the customer to advise that the first repair facility did not perform internal transmission workWe advised that she would have to move hervehicle to a repair facility that is capable of performing internal transmission workCARS gave examples of repair facilities that perform transmission repairsCARS would not have been able to move forward with the January 11, transmission claim if the customer had not moved her vehicle.Additionally, as a courtesy to the customer, CARS further advised that the repair facility's labor rate was $per hour and her Service Contract paid up to $per hour and that she might look for a repair facility that had a lower labor ratePursuant to the customer's Service Contract the customer has the freedom to decide what repair facility she chooses to take her vehicle to for repair as long as the repair facility is qualified to do the repair work.On January 26, 2016, at 9:a.m., after reviewing the repair facility’s estimate (see attached quotation sheet) for a rebuilt transmission, CARS went over the amount we could authorize for the transmission claim with the repair facility as follows: We could supply a transmission for $1,We could also authorize $towards fluid for the repairMitchell OnDemand labor guide stated that the repair should take hours to complete and the customer's Service Contract pays up to $per hourTherefore, total labor covered was $The claim was also subject to a $deductibleWe explained that the total value of the claim after the deductible was applied was $1,503.00, and we could supply the parts as stated above and pay $towards labor and $towards fluids for the repair or pay $1,towards the repair of the customer's choiceWe then asked the repair facility to get back us with the customer's decision.On January 26, at 10:a.m., the repair facility advised CARS that the customer chose to take the cash allowance to use towards the repair of her choiceCARS provided the repair facility with an authorization number to begin repairs to the customer’s vehicle.Here, CARS provides the information on the available allowance and/or available supplied parts to the repair facility because the repair facility is our main contact and source of information in making sure the customer's vehicle is properly repairedThis also gives the repair facility the option to discuss other options that that the repair facility may be able to offer the customer using our cash allowanceWe provided the repair facility with the above information and requested that the repair facility review the information with the customerThe repair facility advised CARS that the customer chose to use the cash allowanceNowhere in our contract does it state that we must go over the options directly with the customerWe would also like to point out here that the customer did not contact CARS to discuss the cost of her repair until February 2, after the repair was completedAny issues regarding the lack of information from the repair facility regarding the options CARS offered to assist with the repair of the customer’s vehicle are between the customer and the repair facility.The customer is also questioning if the transmission in her vehicle is a rebuilt transmission or a used transmissionAs stated above the repair facility verbal quote to CARS reflects that they would be rebuilding the transmission in her vehicle; however, the invoice provided to CARS states that the repair facility replaced the engine in her vehicle with a used transmission (see attached invoice).CARS’ service contracts are to be utilized to assist with the repair of customers’ vehicles and do not provide "all inclusive” coverageTherefore, pursuant to the customer's Service Contract, CARS is not required to pay the full cost of the repairsThe Service Contract is limited in its duration, terms, conditions, and covered components and is not comprehensive (bumper to bumper) coverageVarious provisions of the service contract inform the customer what is specifically covered and the customer’s financial responsibility for the tear-down, diagnosis charges, filters, taxes, the difference in labor rates and deductible.As evidenced in the above paragraphs, CARS has fulfilled all of its obligations under the customer's Service Contract and is unable to provide any further assistance with the January 18, transmission claim made on behalf of the customer's vehicle.If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,Jason ** ***General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The reply by counsel for Cars Protection Plus merely discloses one of several methods Cars Protection Plus uses to mislead customers about true value of the plans their company advertisesThey have attempted to justify advertising different terms to the general public by claiming they can use contracts with different ID numbers at the time of signingThis, they claim, absolves them from any discrepancy between the term customers see in public advertisements and the terms included in the contracts customers actually sign.Many consumers like myself purchased their plans at the dealership and at the time of vehicle purchaseIn this case, researching their service agreements ahead of time misled me about the terms of the contract I would be signing, misinformation that only benefits Cars Protection Plus and contributes to their profit marginsThey benefit from seeding misinformation about their business model, which is the substance of my claim against them:CARS PROTECTION PLUS INTENTIONALLY DECEIVES CONSUMERS ABOUT THE TRUE VALUE OF THEIR PLANS BY CONCEALING THE PROCESS BY WHICH THEY DETERMINE THE MONETARY VALUE OF COMPENSATING THEIR CUSTOMERS FOR THE COST OF PARTSSPECIFICALLY, THEY OPERATE AS A PARTS SUPPLIERS SO THEY CAN UNDERVALUE THE TRUE COST OF PARTS AT THE TIME OF REPAIRMY CARS PROTECTION PLUS VALUE PLUS PLAN REQUIRES ME TO HAVE MY VEHICLE REPAIRED AT A LICENSED MECHANIC (I CANNOT BE REIMBURSED FOR REPAIRS I PERFORM MYSELF), HOWEVER CARS PROTECTION PLUS WILL ONLY REIMBURSE ME FOR THE COST OF PARTS FOUND ON THE DISCOUNT, DIRECT-TO-CONSUMER PARTS MARKET, AND NOT THE REALISTIC COST FOR PARTS CONSUMERS PAY WHEN HAVING THEIR VEHICLE REPAIRED BY A LICENSED MECHANIC AS REQUIRED BY THEIR PLAN.Cars Protection Plus profits from misleading consumers through advertising, concealing the true value of their plansThis business practice of undervaluing parts yields a profitable discrepancy to the tune of hundreds or thousands of dollars for a single repair at a licensed mechanicThis intentional deception is advertising, and illegal according to the laws of the United States of America.I call on the Revdex.com to hold Cars Protection Plus accountable for their deception
Regards,
*** ***

February 1, VIA: Revdex.com WEBSITE RE: COMPLAINT ID #*** JEEP GR CHEROKEE VIN (Last 8): *** OUR FILE NO.: C-*** Dear Ms***: am in receipt of your letter dated January 20, enclosing the above-referenced consumer complaint and respond as follows: The customer’s service contract application was accepted by CARS on July 24, On December 8, at 1:p.m., the customer advised CARS that she would like to a full refund of her Service ContractCARS advised the customer that pursuant to the Terms and Conditions, she was not entitled to a refund of her Service ContractCARS reviewed the cancellation provisions with the customerCARS provided the customer with a cancellation request form via emailIn CARS' response to the customer’s December 9, Revdex.com consumer complaint, CARS advised the customer as follows: The customer’s service contract states under Terms and Conditions at Paragraph (a) and (b): 'CANCELLATION PROVISIONS: You have the right to cancel the Service Contract up to days from the effective date as stated on Your CARS I.Dcard by providing a written request to cancel for a full refund, paid to Your dealer or lienholder, of the amount received by CARS, less any claims paidThe Service Contract will not be reinstated after a cancellation is requested.” and "After days, there is no credit for early termination except in the case of a total loss, as determined by the insurance carrier, or repossession by the lienholder as stated." Here, the customer cancelled her Service Contract on December 28, which is greater than twenty (20) days from the date of Service Contract approval date of July 24, Additionally, CARS is regulated on refund policies by each state that CARS conducts business in and we strictly adhere in those states where their statutes supersede our cancellation provisionsCARS is not directed by any state statute in Michigan to refund any monies to the customer for the cancellation of a service contractTherefore, pursuant to her Service Contract the customer is not entitled to a refund As evidenced in the above paragraphs, CARS advised the customer that there would be no refund for the cancellation of her Service ContractNonetheless, CARS received a fully executed cancellation request from the customer for her Service Contract on December 28, The customer's Service Contract is now cancelledThe customer's vehicle is not covered under any of CARS' service contracts and no claims will be opened on behalf of her vehicleIf you have any further questions regarding this matter, please do not hesitate to contact my officeSincerely,Jason ** ***General Counsel

RE: COMPLAINT ID #***CHEVY IMPALA VIN (Last 8): *** OUR FILE NO.: ***Dear Ms***I am in receipt of your letter dated November 17, 2015, enclosing the above-referenced consumer complaint and respond as follows; According to our records the customer purchased the above referenced
vehicle on July 8, 2015, On that same date, he also applied for a CARS Value Plus Service Contract (Months/Unlimited Miles), The Service Contract Application listed that on the date of purchase the vehicle registered miles on the odometerThe customer's Service Contract was then accepted with payment by CARS on July 9, (See attached "Service Contract").On August 28, at 11:a.m., CARS received a telephone call from the customer advising that the check engine light was displayed in his vehicle and there may also be transmission issuesCARS then reviewed the customer's Service Contract coverage and our claim procedures.On September 22, at 11:a.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing transmission issuesThe repair facility also advised that odometer registered miles; which was less miles than the original mileage listed on the Service Contract as the current odometer reading on the date of purchase (July 8, 2015)During that same telephone call, CARS advised the repair facility that we would be unable to assist with the repair of the customer's vehicle, because of the discrepancy in the mileage provided by the selling dealer and the repair facilityWe explained to the repair facility that the customer needed to have the selling dealer provide CARS with proof of mileage for his vehicle on the date of purchaseCARS then closed the claim pursuant to the Terms and Conditions of the customer's Service Contract.On September 24, at 1:p.m., the selling dealer advised CARS that he would fax documents to correct the customer's mileage; however, CARS has no record of ever receiving information as a result of this telephone conversation.On September 30, at 10:a.m., CARS left a message for the customer to return our telephone call in response to an online submission from the customer regarding the mileage issue with his ServicevehicleThe selling dealer advised CARS that she would search for the necessary documentation and fax it to CARSAgain, CARS has no record of ever receiving any paperwork as a result of this telephone conversation.On September 30, at 4:p.m., the customer returned CARS' telephone callCARS advised that we would need either the title, bill of sale or an odometer statement to correct the mileage on the customer's Service ContractThe customer advised that he did not have any of the required documents in his possessionCARS then referred the customer to the selling dealer and advised that dealer was aware of what documentation was needed for a correction to be made.On October 7, at 4:p.m., the customer again called to inquire if we received the necessary documentation from the selling dealerCARS advised the customer that the selling dealer had not provided jjg_with any information regarding the mileage listed on his Service ContractWe again reviewed what documentation was required for CARS to make changes to the mileage listed on the Service ContractThis telephone call was the last communication CARS had with the customer or the selling dealer until we received the above-referenced consumer complaint on November 17, 2015.On November 17, 2015, CARS telephoned the selling dealer two [2) times to attempt to rectify the customer’s issue with the mileageThe dealer did not return CARS' call.On November 18, 2015, CARS received an Odometer Disclosure Statement from the selling dealer via email stating that the odometer registered 123,miles on the date of purchase (attached)CARS then made the corrections to our records.On November 18, at 5:p.m., CARS telephoned the repair facility, who had attempted to open a claim on September 22, 2015, to obtain an update on the customer’s vehicleCARS was advised that the manager of the repair facility would telephone CARS on November 19, 2015.On November 19, at 2:p.m., CARS again telephoned the previous repair facility to obtain an update on the customer's vehicleCARS was advised by the manager that there were no Chevy Impala's there for repairCARS then closed the claim.On November 19, 2015, CARS left a voice message advising the customer to have a repair facility open a claim on behalf of his vehicleWe further advised that we would process the claim pursuant to the Terms and Conditions of his Service Contract.By the customer's signature on his Value Plus Service Contract (Months/Unlimited Miles), he acknowledged that he read, understood and agreed to the Terms and Conditions contained thereinDirectly above the customer’s signature the Service Contract states: "ACCEPTANCE TO TERMS: I have read, understand and agree to the Covered Components and Terms and Conditions as stated on the front and reverse side of this Service Contract ApplicationThis Service Contract does NOT go into effect until: (1) this application is received by CARS Protection Plus, Inc("CARS"), (2) with proper payment, and approved by CARS, which may be different than my date of purchaseI certify the information above is true and correct, and I will contact CARS if I have not received a CARS LDcard within daysI understand that I am responsible for $deductible per claimI acknowledge receipt of my copy of this Service Contract." Here, the odometer reading listed on the Service Contract was inaccurate; therefore, CARS was correct in requesting information from the customer/dealer regarding the true mileage on the customer's vehicle at the time of purchase.CARS would like to point out here that the having the correct odometer reading on the Service Contract is a requirement by CARS in order for us to make informed decision on component coverage when a claim is opened on behalf of a customer’s vehicleThe listing of the correct mileage is veryService Contract purchase can be equated to a vehicle's "date of birth” and is used to ensure regular and proper maintenance of a vehicle, such as an oil change, air filter change, tire wear, etcThe wrong mileage listed on the service contract can prevent this type of maintenance which is critical to the long term health and care of a vehicle from being tracked by the customer and CARSThis, of course, is also a critical component to determine the value of a vehicleHere, the customer signed his Service Contract stating that the above information was true; however, he later informed CARS that the mileage information provided by the selling dealer was in errorTherefore, CARS was correct in not moving forward with the customer’s claim until we were provided documentation from the dealer that an error had been made and were provided with the corrected information.CARS relies on the information provided to us by the dealers, repair facilities and/or customer, since we cannot inspect every vehicle that has a service contract with usHere, the dealer listed the current odometer reading on the date of purchase as milesAt our request, the dealer provided documentation to CARS on November 18, stating that the odometer reading at the time of purchase was 123,miles.As stated above the customer needs to have a repair facility open a claim on behalf vehicle as outlined under the Terms and Conditions of his Service ContractWhen a claim is opened CARS will process the claim to determine if the failed component is covered under the customer's Service Contract, If the failed component is covered, CARS will authorize and pay the claim in accordance to the Terms and Conditions of the customer's Service Contract.At this time CARS considers the customer's consumer complaint resolved.When a claim is presented to our company, we fully investigate the circumstances surrounding the claimWe honor every contract that we sell and we stand behind our product 100%If you have any further questions regarding this matter, please do not hesitate to contact me.Sincerely,*** ** *** General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I
reviewed appear below
? I do understand the wording of the contract and it does state that the repairs have to be approved prior to any work being completed? My concern is with the companies handling of the request? Now tell me as a company you care about your customer and the answer is only those that are paying in? What would it of hurt for you to contact the repair facility and have your adjuster ask his questions? Before or after the repair the answers will be the same? Maybe the repair would have met the "prior notice" part of the contract and you could of helped a customer out? That is taking care of your customer? Even if the result would have come back as rejected or partial value that would have been acceptable? As soon as that "prior authorization" was not met your reps shut me down and it isn't them its you as a company? You just made money and that is what matters right? They didn't even ask why I didn't get prior approval they just said "No we will not cover the repair"? Thanks for listening
Regards,
*** ***

? ? ? ? ? ? ? ? ? ? ? ? ? ? ? December 18, ? VIA:? Revdex.com WEBSITE Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, PA? ? ? ? ? ? ? ? ? ? ? ?
? ? ? ? ? ? ? ? ? ? ? ? ? ? RE:? ? ? ? HONDA RIDGELINE ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? VIN (Last 8):? *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? OUR FILE NO.:? *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Revdex.com ID NO.:? ***? ? ? ? ? Dear Ms***: ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? I am in receipt of your letter regarding the above-referenced vehicle dated December 12, 2017, and I would like to respond as follows:? ? According to our records, the customer purchased the above-referenced vehicle on May 24, On that same date, the customer also applied for a CARS Value Limited Service Contract (Months/7,Miles) which was approved with payment by CARS on June 1, (See “Service Contract”).? The customer’s Service Contract expired on December 1, ? ? ? ? ? ? ? ? ? ? ? ? ? First Claim:? On October 9, at 9:a.m., a repair facility advised CARS that the customer’s vehicle was experiencing power steering pump and power steering pressure line issues.? CARS then reviewed our claim procedures with the repair facility? ? ? ? ? ? ? ? ? ? ? ? ? ? ? On October 9, at 10:a.m., the repair facility advised CARS that the power steering was whining and the customer had been adding fluid.? The repair facility further advised that they found the power steering pump and the pressure side hose to be leaking.? CARS then reviewed our claim procedures with the repair facility? ? ? ? ? ? ? ? ? ? ? ? ? ? ? On October 9, at 10:a.m., CARS then went over the amount we could assist with the repair of the customer’s vehicle as follows:? We could supply the power steering pump for $and the power steering line for $159.63.? ProDemand labor guide stated the total repair should take hours to complete, and the customer’s Service Contract pays up to $per hour for labor.? Therefore, total labor was $360.00.? The claim was also subject to a $deductible.? We explained to the repair facility that the total value of the authorized claim after the deductible was applied was $531.16.? CARS further explained that the customer had two (2) choices for assistance with the approved claim:? CARS could either supply the parts as stated above or the customer could take a cash allowance totaling $to be used towards the specifically-authorized repairIf the customer chose for CARS to ship our supplied parts, CARS could assist with the cost of labor in the amount of $260.00.? ? ? ? ? ? ? ? ? ? ? ? ? ? On October 9, at 1:p.m., the customer advised CARS that the repair facility’s labor rate convinced him to move his vehicle to a new repair facility.? At the customer’s request, CARS then reviewed the options he had for CARS to assist with the review of his vehicle.? The claim was then closed? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Second Claim:? ? On October 12, at 4:p.m., a second repair facility advised CARS that the customer’s vehicle was experiencing power steering pump and power steering pressure line issues.? CARS then reviewed our claim procedures? ? ? ? ? ? ? ? ? ? ? ? ? On October 12, at 4:p.m., CARS then went over the amount we could assist with the repair of the customer’s vehicle as follows: We could supply the power steering pump for $and the power steering line for $159.63.? ProDemand labor guide stated the total repair should take hours to complete, and the customer’s Service Contract pays up to $per hour for labor.? Therefore, total labor was $360.00.? The claim was also subject to a $deductible.? We explained to the repair facility that the total value of the authorized claim after the deductible was applied was $531.16.? CARS further explained that the customer had two (2) choices for assistance with the approved claim:? CARS could either supply the parts as stated above or the customer could take a cash allowance totaling $to be used towards the specifically-authorized repairIf the customer chose for CARS to ship our supplied parts, CARS could assist with the cost of labor in the amount of $260.00.? ? ? ? ? ? ? ? ? ? ? ? ? ? On October 16, at 11:a.m., the repair facility advised CARS that the customer would like the parts to be shipped to the repair facility? ? ? ? ? ? ? ? ? ? ? ? ? On October 17, at 1:p.m., CARS advised the repair facility that since with the cost of shipping our supplied parts was close to the same price as the repair facility’s parts, CARS was willing to pay the cost of the repair facility’s parts for the repair of the customer’s vehicle and shorten the amount of time the customer would be without his vehicle.? The repair facility was agreeable to this.? CARS then provided an authorization number to begin the repairs to the customer’s vehicle.? ? ? ? ? ? ? ? ? ? ? ? ? ? On October 24, 2017, after the repair facility submitted a proper invoice for the repair of the customer’s vehicle and pursuant to the Terms and Conditions of his Service Contact, CARS paid the repair facility $via credit card towards the repair facility supplied power steering pump, power steering line and labor needed for the repair of the customer’s vehicle.? As you can see from the above, CARS paid the repair facility the additional $for the repair facility’s supplied parts.? The claim was then closed? ? ? ? ? ? ? ? ? ? ? ? ? By the customer’s signature on his Value Limited Service Contract, he acknowledged he read, understood, and agreed to the Terms and Conditions of his Service ContractThe customer’s Service Contract states under the Terms and Conditions at Paragraph 3(e): “SERVICE CONTRACT CLAIM PROCEDURE:? CARS has the option to select used, rebuilt, or aftermarket components when authorizing repairs.”? When CARS selected the above-mentioned replacement parts we use the cost of the parts to either be shipped to the repair facility and to calculate the total amount of the claim as previously statedIt is the customer’s decision to either take the replacement part offered by CARS or the allowance towards the repair of the vehicle ? ? ? ? ? ? ? ? ? ? ? ? ? Here, the customer chose to take have the parts shipped for the repair of his vehicle; however, on October 17, 2017, CARS advised the repair facility that since our supplied parts were close to the cost of their parts, we would pay them to use their parts for the repair of the customer’s vehicle.? CARS did not supply the parts needed for the repair of the customer’s vehicle as evidenced by the attached invoice from the repair facility that CARS paid on October 24, ? ? ? ? ? ? ? ? ? ? ? ? ? The customer’s Service Contract states at Paragraph (u): “PROVISIONS OF THE SERVICE CONTRACT:? Coverage is superseded by any manufacturer’s warranty, TSB/factory bulletin, recall or warranty on a previous repair.”? ? ? ? ? ? ? Here, on October 24, 2017, CARS paid the repair facility $towards the repair facility via credit card for the power steering pump and power steering line and the associated labor needed for the repair of the customer’s vehicle.? As evidenced by the attached invoice, the repair facility has given the power steering pump, power steering line and the associated labor a twelve (12) month parts and labor warrantyTherefore, any issues with power steering pump and power steering line and the associated labor performed by the repair facility is between the customer and the repair facility.? ? ? ? ? ? ? ? ? ? ? ? ? ? The repair facility has given the repairs warranties on the parts the repair facility supplied and the labor performed by them; therefore, any issues with the repairs performed during the October 12, mechanical claim opened on behalf of the customer’s vehicle is between the customer and the repair facility.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Additionally, the customer’s Service Contract expired on December 1, 2017; therefore, the customer’s vehicle no longer has any coverage under his CARS Value Plus Service Contract (Months/7,Miles) and no additional mechanical claims may be opened on behalf of his vehicle ? ? ? ? ? ? ? ? ? ? ? ? Therefore, at this time, CARS is requesting that you mark this complaint as resolved.? If you have any further questions regarding this matter, please do not hesitate to contact my office? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Sincerely, ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Jason **? M*** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? General Counsel ? ?