Protective Administrative Services Reviews (%countItem)
Protective Administrative Services Rating
Address: 2801 Highway 280 S, Birmingham, Alabama, United States, 35223-2479
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Amazing customer service. Easy to file claims. Paid my dealership in 24 hours and had me back on the water quickly.
I called inquiring about coverage for new break pads and rotors, was told they were covered. got dealership and they weren't covered.
Hello, my contract number is FRPXXXXXXXXXXXX. I was told I needed new breaks for a quite of $632. Before I made an appointment, I called claims and customer service on July 20th and told them that I need all 4 new break pads and rotors which I was told would be covered as I have the complete coverage plan and all I responsible for is my $50 deductible. I get to the dealership today, I gave the service department my contract with your number to call to send the claim. After my breaks are replaced, I was told they would not be covering my breaks and I was fully responsible for the $632. I was so upset and called customer service who explained that this was not a malfunction of breaks and I would be responsible. If I knew that from the beginning, and this was told to me when I called in the first place, I would have had my friend change my break pads for $150. Instead I was trying to save him time and then I ended up with a whopping bill. I do not feel it is my responsibility to have paid this in full when I was told different and even checked prior to my service appointment. I would like some service quality and refund.
refund for my services after I was told they would cover them. i would be responsible for the $50 deductible like the lady told me on the phone.
Protective Administrative Services, Inc. ("PASI") is in receipt of your August 18, 2020 email addressed to Protective Asset Protection. We apologize for not responding sooner, but we have no record of receiving any prior correspondence from you in this matter. PASI is the administrator of the Vehicle Service Contract purchased by Ms.. We respectfully request that you change your records to reflect the correct company name.
We reached out to Ms. and she provided us with the requested documents. While the repairs are not covered under the service contact, we are willing to make a one-time exception and offer a goodwill payment for the brake reline in the amount of $582.69. A check will be sent to Ms. within the next 7-10 business days.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
(The consumer indicated he/she ACCEPTED the response from the business.)
N/A
we purchased extended warranty when we purchased our 2014 kia soul now that we are needing to use the warranty to fix the engine they don't want to cover the cost to get a full diagnostic evaluation the kia soul needs a new engine which will cost about 12k to get fixed the engine needs to tore down for a full diagnosis which will cost 5,000 to complete. the kicker is all they will possibly pay the Kelly blue book of 3,950 but that is contingent on the full engine breakdown and if its not a manufacturer defect they will not pay a cent and we are out of 5,000 plus whatever costs it would take to fix the engine ...this is a true buyer beware I will never purchase anthing with this company again I fee as if I was ripped off we paid 2,999.00 for the extended warranty .....feeling ripped off
Product_Or_Service: exetended warranty for car
Account_Number: FRPXXXXXXX
Other (requires explanation) give me my full contract purchase price back of 2999.00
Protective Administrative Services, Inc. (PASI) is in receipt of your August 6, 2020 e-mail addressed to Protective Asset Protection. PASI is the administrator of the Vehicle Service Contract purchased by Ms. and we respectfully request that you change your records to reflect the correct company name. We apologize for not responding sooner, but we have no record of receiving previous correspondence concerning this complaint. We appreciate the opportunity to review this matter and hope you find the following information helpful.
In her complaint, Ms. states that PASI refused to cover the cost of the diagnostic evaluation and if the claim is not covered, she would be responsible for the cost. It is the responsibility of the contract holder to authorize a teardown in order to determine if a coverable failure has occurred. At this time, we cannot move forward with the claim and the claim is pending. Under section F. Reporting a Mechanical Breakdown Claim, it states in part, "To obtain service during normal business hours: 4. Authorize disassembly of the Vehicle if disassembly is necessary to diagnose the cause and cost of the reported Mechanical Breakdown. You will be responsible for any disassembly charges if the associated repairs are not Covered Repairs."
If Ms. wishes to cancel her contract, she may do so by following the cancellation procedures in the service contract under section K. Based on our review, our position in this matter has not changed. However, should any additional information become available that may alter our position, we would welcome its submission for our review.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
We we're lied to over the phone in both regards to the reimbursement for a rental,
How to file the reimbursement, and that we had ever even called.
We were told on two separate occasions that a rental vehicle would be covered up to $50/day, and since we needed transportation we utilized that fact. Upon getting our vehicle back we went ahead and sent in the receipts of our rental to protective only to not hear from them for two weeks. Upon calling to check on the status we were both told that we were not covered as we reached the claim limit, and then we're told that we had never spoken to anybody about reimbursement at all, despite email correspondence.
As of writing this we are currently in the covid-19 pandemic. With such uncertainty in regards of financial situations I find it despicable that you would have us spend nearly 1,000 dollars thinking that we would be covered. If we had been told that we would not be eligible if we reached our claim limit when we had called it would be one thing. But we were never told any such thing.
A really awful way to handle a company during a pandemic.
Train your customer service representatives to give accurate information.
This responds to your correspondence of July 29, 2020 addressed to Protective Asset Protection. It has been forwarded to me for review and reply. We apologize for not responding sooner, but we have no record of having received your first request.
At this time, we are unable to locate Mr. service contract with the information that has been provided. If Mr. could provide us with a copy of the signed Declaration Page of the service contract or the VIN number for the vehicle, we will be able to perform a more thorough search.
Mr. may e-mail the information to ***@protective.com. Once this information is received, we will be able to respond further.
Protective Asset Protection did not honor their contractual/verbally indicated agreement.
Our family purchased a used, 2009 Honda Fit form Kia of Portland I, Portland, OR on April 13th, 2019. Along with the Honda, we purchased a $2,000 after market warranty through PROTECTIVE ASSET PROTECTION. Our car broke down on, 07/07/2020. Due to the nature of the mechanical failure, Protective Asset Portection would not cover the cost of the repairs, as the warranty solely covered power train, which is not part of our complaint. Our complaint is for the $200 Diagnostic test done on the car, which was expressly communicated to me on, 07/08/2020 would be covered by Protective Asset Protection along with the tow-truck service we received. After receiving said services, on, 07/09/2020 Protective Asset Protection declined to cover the cost of the $200 diagnostic test stating that, since they were not covering the needed repairs they were not liable to cover the cost of the diagnostic, which is a departure from what they had communicated the day before in 2 recorded phone calls.
Simply put, our family would like Protective Asset Protection to honor their word and pay the cost of the initial diagnostic done on the Honda Fit on, 07/09/2020, as they had stated they would on, 07/06/2020.
Protective Administrative Services, Inc. (PASI) is in receipt your July 27, 2020 email addressed to Protective Asset Protection. PASI is the administrator of the Auto Care Plan Vehicle Service Contract that Mr. purchased on April 13, 2019. We apologize for not responding sooner, but we have no record of having received the first request.
In a search of our records, we don't show that a claim has ever been filed against the subject service contract. If Mr. could provide a claim number or other information on the claim, we can review the matter further. Mr. may send any claim information to ***@protective.com.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and applicable law.
Refusing to provide covered warranty work, using shady tactics to get out of fulfilling warranty work.
I purchased a minivan in 2018. I wasn't going to purchase the minivan because of a noise coming from the front of the vehical. The dealership greased the front axel however I didn't think it would last. To close the deal, they gave me a 2 year protection plan that would cover the axel in case of failure. The contract states """Suspension: control arms control arm shafts, bearings and bushing radius arms and bushings stabilizer bar stabilizer link stabilizer bushing
spindle wheel bearings torsion bars ball joints steering knuckles coil and leaf springs."""
However they are saying that leaking grease caused the axel to fail so they are not covering it.
I would like the be refunded the cost of the work to repair the axel.
Protective Administrative Services, Inc. (PASI) is in receipt of your July 7, 2020 email regarding the complaint filed by Mr.. We apologize for not responding sooner, but we have no record of having received your prior correspondence. PASI is the administrator of the Auto Care Plan Vehicle Service Contract that Mr. purchased on November 17, 2018. We appreciate the opportunity to review this matter and hope you find the following information helpful.
According to our file, the repair shop called our claims department on June 19, 2020 regarding repairs to the right sliding door latch and to the right front axle which had leaked out all the grease and was dry. It was explained that the door latch is not a listed part for coverage in the contract and that failures due to lack of lubrication are not coverable failures.
Later that day, Mr. called the claims department to dispute the claim denial. We explained that under the coverage level selected, which is the Advanced level, the door latch and axle shaft cv boot are not listed as covered parts. While the shaft itself is covered, the cv boot is not. We also explained that driving the vehicle in a failed state and damage to a covered part when caused by the failure of or damage to a non-covered part is not covered under the service contract. The fact that there was grease leaking from the axle and that it was dry, is an indication that the vehicle was driven in a failed state. Mr. was upset and requested a copy of the contract.
Based on our review, our position in this matter has not changed. However, should any additional information become available that may alter our position, we would welcome its submission for our review.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
They didn't honor warranty so I cancelled
They agreed to refund but continue to stall after 6 months of warranty
No check received
11/26/2019
Written cancellation request for CUSXXXXXXX Please release refund to Hyundai Lease Titling Trust PO Box XXXXXX
*** XXXXX
Happy Thanksgiving!
Respectfully
They admit refund check is due to me Need to resend or show that they have sent it to KIA
Two attempts to call and was hung up on twice. All I was trying to do was give VIN first time and Contract number second time. Also the website sucks.
Problem date: 5/26/20
purchase date: 2/17/18
I do not recall the customer service reps names.
I attempted to call this company first time and provided the VIN number and I was hung up on. Second time I called waited another 15 minutes to get through and was providing them with my contract number *** and was hung up on again after providing it. So I thought I would try to get online and enter my info. The website is not user friendly at all. It attempted to enter all my information including my VIN and my account number and it says I do not have an account with them. If I don't have an account why would I have the contract number and I know I paid $1800 for the stupid contract. This company is garbage and should not be allowed to sell.
I want information on my contract. I want to be contacted and talk to a person not a computer who does not answer my questions.
Protective Administrative Services, Inc. ("PASI") is in receipt of your June 11, 2020 email. PASI is the administrator of the Motor Home and Towable Service Contract purchased by Mr.. We apologize for not responding sooner, but we have no record of having received the previous complaint.
We sincerely apologize for the difficulties that Mr. experienced with the calls he made to PASI and appreciate Mr. feedback as it helps us to determine ways to improve our level of customer service. On June 10, 2020 and June 11, 2020, we reached out to Mr. and left voice mails. We are currently waiting for him to call back.
In the alternative, Mr. may send an email to *** stating the specific reason for his call, so that we will be able to direct his question/issue to the correct department.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been in contact with teri C with protective she has been very helpful.
company refuses to cancel my warrenty agreement and continues to bill me for the service I cancelled via requested written letter and requested email
In Feb, we received a postcard advertising car warrenty for my 2010 Toyota Corolla. I called to take advantage of the offer. I gave them a card number to bill. They billed me for introductory joining fee of 295.00. The following month they billed me 205.00 for the on going monthly fee. I have since decided to sell the car. I called the company explaining that I will be selling the car and need to cancel their service. They said I need to write a letter, to an address I did not keep record of, explaining why I need to cancel the service. I wrote the letter. Meanwhile I have cancelled that credit card due to my card being compromised, so I am now receiving bills for the monthly charge, even after I wrote the letter to cancel. I called the Asset Protection Direct Company again, explaining the situation and explaining that I wrote the letter but have received another bill, that is twice the amount. The representative said they have not received the letter and to email them at Assetprotectiondirect.com, which I did. Meanwhile my daughter checked the internet, including Revdex.com, and found several complaints on the company, so we are skepticle of the whole thing. I am having her file this complaint in my behalf.
Thank you
I would like confirmation of my cancellations I sent via mail, email and phone call. I do not want any more bills for the service which I cancelled in the above three ways.
This responds to your correspondence of May 19, 2020 addressed to Protective Asset Protection (Protective). It has been forwarded to me for review and reply. We apologize for not responding sooner, but we have no record of receiving the previous complaint.
With the information that has been provided, we are unable to locate a contract for Ms.. If Ms. could provide us with a copy of the signed Declaration Page of the service contract or the VIN number for the vehicle, we will be able to perform a more thorough search and respond to the issues raised. Ms. may email the information to ***@protective.com.
It should be noted that Protective does not send out postcards advertising for the purchase of a service contract. Also, the email of Assetprotectiondirect.com that Ms. provided in her complaint is not a Protective email, so this may have been sent to us in error.
By pointing out the foregoing, Protective and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
(The consumer indicated he/she ACCEPTED the response from the business.)
I apologize to Protective Asset Protection Company for the incorrect complaint. I had the wrong business. The company that we have a complaint on is Asset Protection Direct. There are several complaints on Asset Protection Direct . I believe Asset Protection Direct was using a similar name to Protective Asset Protection to confuse people.
Notified of refund. Did not get it.. Called several times Jan and Feb told it was in the mail. Still not received.
Protective Asset Protection *** IL XXXXX Number XXX XXX XXXX My contract #ADXX XXXXXXXXXXX XX Letter said cancellation confirmed refund sent to *** Noted amount $348.91. Refund for 2012 Toyota Corolla. That's all I have. Thank you if you can help me get refund.
REFUND of $348.91
Dear Mr.:
*** (***) is in receipt of your March 18, 2020 email addressed to ***. Please note that *** is the administrator of the Advantage(r) Vehicle Service Contract ("service contract"). We respectfully request that you change your records to reflect *** as the correct company.
We certainly understand Ms.' frustration. We have issued refund checks and mailed them to the address provided on Ms.' complaint twice, and both times she has not received them. We will issue a stop payment on the current check and a new check will be sent within the next 7-10 business days. If Ms. does not receive the check, she may contact us at ***@protective.com.
We trust this explains our handling of the matter. By pointing out the foregoing, *** and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and applicable law.
(The consumer indicated he/she DID NOT accept the response from the business.)
Talked to *** at tacw and she said they were issuing a check on Wed April 1,2020 and I should get it in 7 to 10 business days. I will notify if I get or not. I do not accept this response because it is what they've told me several times before. Please wait for another response on this matter. Thank you.
(***) is in receipt of your April 1, 2020 follow-up email regarding Ms. complaint. We respectfully request that you change your records to reflect *** as the correct company.
Ms. called our Customer Service department on April 6, 2020 and informed us that she received the refund check. The UPS tracking number also shows that the check was delivered on April 6, 2020.
We trust this explains our handling of the matter. By pointing out the foregoing, *** and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and applicable law.
I, *** received full refund on Monday,April 6, 2020. Thank you Revdex.com and thank you ***.
This is by far the worst extended warranty I've ever purchased with a vehicle. My van has been in the shop for two months awaiting an approval for the neccessary repairs. The company is unwilling to abide by the service contract and has been a complete nightmare to deal with. Take my advice, never purchase an extended warranty from this crooked company!
Hi, we are sorry you are not satisfied with your experience regarding your recent claim on the Service Contract that is administered by Western General Dealer Services, Inc. Your complaint has been referred up for further review and reply. Please allow us 7-10 business days so we may properly review the issue. We will respond further once our review is complete.
I was denied coverage ,despite the fact that I paid extra for coverage of gaskets and seals.
I was denied coverage ,despite the fact that I paid extra for coverage of gaskets and seals. My 2011 Jeep Grand Cherokee shut down in my work parking lot, with the red temperature gauge coming on at the same time the car shut down. I did not drive it while it was overheating. The last 8 of my VIN is: BCXXXXXX. I have called Protective Asset at least 3 times and each time I get a different answer of why the repair is covered. The head gasket needed replaced and the cylinder heads machined. First, Protective Asset told the garage I took it to that it likely was damaged back when my water pump was leaking, then another time they said they don't know why the car overrheated so they can't cover it. The person I talked to was ***. *** then said he would send my contact info to his supervisor and the supervisor would contact me. I heard nothing. So I decided to call them again. When I called them I asked to talk to a supervisor and was denied because "they are in today." I then explained to the person on the other line that I'm getting the run around. He said he was knowledable about cars so he said likely when it overheated it damaged the head gasket. I explained to him that I didn't drive the car when it overheated and in fact couldn't because it shut off automatically. They basically said, because we can't prove it wasn't your fault, it's your fault and we are not covering it. I told him that they were talking out both sides of their mouths. That they say that they don't know what it is that caused the head gasket damage, yet they also said I continued to drive the car in an overheated state so it's not covered. Basically, they will find any excuse not to have to repair covered. The last guy I talked to at Protective Asset agreed with me that the only way in my situation a cylinder head could get damaged, was a head gasket leak. I paid extra to have gasket leak coverage. Yet they still will not cover it. The repair is an estimated $1,700 and this is my sole transportation for work. I am disappointed that I paid so much money for coverage, including extra for gaskets, just for them to not cover a repair.
Refund of the 1700. 00 for the repair costs that should have been covered.
Protective Administrative Services, Inc. (PASI) is in receipt of your January 28, 2020 email addressed to Protective Asset Protection. PASI is the administrator of the Auto Care Plan Vehicle Service Contract (service contract) that Ms. purchased. We appreciate the opportunity to respond and hope you find the following information helpful.
We have reviewed the issues raised and find that the claim was adjudicated properly as the repairs were completed before our approval was given. The Registration Page of the service contract states clearly in bold and capital letters "YOU MUST OBTAIN PREAUTHORIZATION FROM US BEFORE ANY REPAIRS ARE MADE TO THE VEHICLE." Also, under section H. Exclusions and Other Coverage Limitations it states "This Contract does not cover the following: 1. Repairs or replacements falling within any of the following descriptions: not authorized in advance, except as provided for after-hours service in Section F. (Reporting a Mechanical Breakdown Claim)." We were not able to qualify coverage because the repairs had already been performed.
Based on our review, our position in this matter has not changed. However, should any additional information become available that may alter this position, we would welcome its submission for our review. By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
This company does not honor their extended warranty contracts. Then when you talk to them on the phone their employees are disrespectful.
I purchased the complete coverage back in 2/2016 and never had to use it until 2019. My car has always been well maintained and never had any issues whatsoever. One morning Sept 8 I was driving to work and the coolant system mechanically failed. The connection plastic piece broke and caused coolant to leak out everywhere. I was on a dangerous main highway so I drove a few feet down the road to get to a safe spot to park. AAA towed the car to a Chevy dealership and they replaced the broken piece and said it was good to go. That bill was $156.Driving it home the next day the check engine light came on and after having to work it was returned to the garage. It took forever for the dealership to figure out what they were going to do. They obtained my permission to tear the engine apart saying a piston needed replaced. When questioned they stated it was a virtual guarantee that the warranty would cover the repair. When the engine was torn apart they found a lot more damage that was caused by the initial coolant malfunction. That is when the company sent an auditor and our repair claim was denied. They never told me why it was denied. I had to track down the company's information to be able to call and talk to someone. The agents were ridiculously rude. They were unhelpful and not empathetic. Their apparent reason for denial was overheating. They kept yelling 'we refuse to cover overheating damage'. It was a mechanical failure that caused all of this! When you pay for complete coverage you expect to get better customer service. They advertise that everything is covered except the routine maintenance. Obviously that was a lie to get me to buy more. They told me the only thing I could do was cancel the warranty and they were going to offer pennies compared to what I originally paid. I did not cancel and I'm still very upset with those phone calls. I was left with a torn apart, useless car. The dealership wanted $6300 to replace the engine. I lost my job because I had no car. It sat at the dealership for a long time before I could pay $600 to get it back as is. The engine was sitting in the trunk and AAA had to tow it for me again. I had to buy a used engine and a used turbo. I had to pay thousands of dollars to finally get my car fixed by a local garage. It took all of my savings and it took months. I had to pay a car payment for a car that was completely useless! I am angry! I paid for a warranty that did nothing! I'm still suffering from the financial blow I took.
I expect to be properly compensated.
Protective Administrative Services, Inc. ("PASI") is in receipt of your January 6, 2020 e-mail addressed to Protective Asset Protection. PASI is the administrator of the CostGuard(r) Vehicle Service Contract (service contract) that Mr. purchased on February 16, 2016. We respectfully request that you change your records to reflect the correct company name.
After reviewing the issues raised in Mr. complaint, we are willing to make a good-will accommodation to resolve this matter up to the vehicle's actual cash value of $5,500. However, our offer is not to be construed as an admission of liability or a precedent for any future claims since we believe the denial is enforceable based upon the specific contract language. Mr. will need to provide the claims department with a copy of the invoice that shows the parts and labor cost for this repair. Once this is received, we will review further for payment.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
(The consumer indicated he/she ACCEPTED the response from the business.)
I will provide all of my receipts asap.
Not covering warranty repair
I have a 2016 Ford Focus with transmission issues. They will not cover the transmission since the transmission in this vehicle is a "manual" transmission that is electronically shifted. No where in the paper work does it tell you that they will cover every transmission but one that goes into a 2016 Ford Focus. The paper work and everything on the car calls it an automatic transmission. Based on their response that means that this warranty should have never be sold on these cars since half of what you expect it to cover will not be covered.
I expect the company to live up to the contract and pay for the repairs of my vehicle. Or refund me the full purchase price of the contract since the expected coverage was not there even when I purchased the warranty.
Protective Administrative Services, Inc. (PASI) is in receipt of your October 16, 2019 e-mail addressed to Protective Asset Protection. PASI is the administrator of the Vehicle Service Contract that Mr. purchased on August 11, 2017. We respectfully request that you change your records to reflect the correct company name. We appreciate the opportunity to review this matter and hope you find the following information helpful.
At this time, we are willing to make a one-time exception and provide a goodwill accommodation to resolve this matter. However, this effort on our part is not to be construed as an admission of liability or a precedent for any future claims since we believe the denial for the matter at hand is enforceable based upon the specific contract language.
We have reached out to the repair facility who informed us that the repair has already been completed. A check for $1626.33 will be sent to Mr. within the next 7-10 business days.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
(The consumer indicated he/she DID NOT accept the response from the business.)
I accept the response from the business but I would like to keep the case open until I receive the check from the company for my expenses. Once I receive the check I will mark my response as accepted.
I received the check please mark this as resolved.
Protective Administrative Services, Inc. (PASI) is in receipt of your November 5, 2019 follow-up e-mail. According to our records, the check cleared on November 4, 2019.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the service contract and the applicable law.
Refusing to cover the motor on my car. I am supposed to have a lifetime powertrain warranty. They are costing us making us fix things that arent wrong
Terrible customer service. Terrible follow-up. We purchased two used cars from a dealership on the same day. They gave us "Lifetime Powertrain" warranties on both vehicles. When I called Protective due to an issue, my car was not on the policy. It took 12 days to get my car activated. The car had been purchased over a year prior. My car had been smoking that entire 12 days. Then we took it in, they told the mechanic to replace a part (not under warranty) and we did at a cost of $300 to us. This did not fix the car. We then took it to a Nissan dealership who told them that we need a new motor. Protective is refusing to cover it because it is not a "mechanical breakdown." We are being told it is going to cost us $5000 for a USED motor. This insurance is a joke. Don't waste your time with them. This has been going on for over 2 1/2 weeks now.
They need to cover a new motor in my car.
Protective Administrative Services, Inc. (***) is in receipt of your letter dated October 4, 2019 to Protective Asset Protection concerning Ms.' complaint. *** is the administrator of the Limited Warranty that was provided to Ms. by the selling dealer on February 5, 2018.
We apologize for the difficulties that Ms. experienced in confirming coverage, but it appears that the dealer cancelled her contract. Once we received confirmation that it was issued to her vehicle, the contract was reinstated.
In her complaint, Ms. stated that coverage for her motor is being refused, but this is not the case. Ms. Evan's claim is still pending and at this time we have not directed any repair facility to repair or replace anything on the vehicle.
On September 17, 2019, the repair facility called and reported that there was smoke coming from the tail pipe. They stated that they had replaced the PCV valve and hose, but that did not alter the condition. When they said they suspected that the failure may be the result of sludge, it was explained to them that if that was the case, it would not be a coverable failure. We instructed the repair facility to get Ms.' maintenance records and her authorization for the necessary tear down to determine the cause and extent of failure. As of this date, we have not received any additional information.
By pointing out the foregoing, *** and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the warranty and the applicable law.
My Rear Differential Needs to Be Fix Bad and Now
I bought a 2014 cadillac cts in october 2018 from *** in *** that came with the dealership warranty a lifetime powertrain warranty with protective asset protection. On july 20, 2019 I noticed a sound coming from my car, as the days passed it got louder. I took my car to the cadillac shop here in baton rouge where I live and they diagnosed my car saying it was the rear differential had gone bad. I called the warranty company protective asset protection company about my warranty and it clearly shows it covers the part to be fixed. They spoke with the mechanic and told them what the problem was, he clearly stated how it got messed up. The warranty sent out their inspector to check my car, I got a call saying they would not fix my car it's not covered cause of the seal and gasket broke which caused it to leak the oil out and that caused the bearings to mess up in the differential!!! I never saw a leak nowhere to know that I had a problem, so if the mechanic told how the problem came about and started to happen it should be covered! Why have a warranty if they don't honor the warranty they list to be covered, why do I need it...!!! I'm looking into an attorney this is not right... Please do not deal with protective asset protection warranty company they are full of censoredtt
I bought a 2014 cadillac cts in october 2018 from *** in *** that came with the dealership warranty a lifetime powertrain warranty with protective asset protection. On july 20, 2019 I noticed a sound coming from my car, as the days passed it got louder. I took my car to the cadillac shop here in baton rouge where I live and they diagnosed my car saying it was the rear differential had gone bad. I called the warranty company protective asset protection company about my warranty and it clearly shows it covers the part to be fixed. They spoke with the mechanic and told them what the problem was, he clearly stated how it got messed up. The warranty sent out their inspector to check my car, I got a call saying they would not fix my car it's not covered cause of the seal and gasket broke which caused it to leak the oil out and that caused the bearings to mess up in the differential!!! I never saw a leak nowhere to know that I had a problem, so if the mechanic told how the problem came about and started to happen it should be covered! Why have a warranty if they don't honor the warranty they list to be covered, why do I need it...!!! I'm looking into an attorney this is not right... Please do not deal with protective asset protection warranty company they are full of censoredtt
Protective Administrative Services, Inc. ("PASI") is in receipt of your August 22, 2019 letter addressed to Protective Asset Protection. PASI is the administrator of the Lifetime Powertrain Warranty ("Warranty"). We respectfully request that you change your records to reflect the correct company name. We appreciate the opportunity to review this matter and hope you find the following information helpful.
In Ms. complaint, she is questioning the denial of her claim to the rear differential. According to the claim notes, the repair facility called on July 29, 2019 to report a concern of a roaring noise from the rear end of the vehicle. They indicated that there was a major leak from the rear differential, which caused a lack of lubrication and the lack of lubrication caused the differential to fail. The claim was denied, but later that same day, the repair facility called and reported a different diagnosis of a plugged vent, which caused fluid to be pushed out. Due to the conflict in diagnosis, we decided to have the vehicle inspected.
The inspection report verified that there were moderate to long term leaks from the axle and pinion seals, and it was the failure of these differential seals that caused the differential to run low on fluid and damage the bearings. Leaking seals are not covered by the Warranty.
Under Exclusions and Other Coverage Limitations it states, "This Warranty does not cover the following: 4. A Mechanical Breakdown or damage to a part resulting from or falling within any of the following descriptions:... failure of a Covered Part when caused by the failure of or damage to a non-covered part..."
Based on our review, our position in this matter has not changed. However, should any additional information become available that may alter this position, we would welcome its submission for our review. By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the Warranty and the applicable law.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this from Protective Asset Protection Company. I have a very serious problem with my car and I can not drive my car, cause of the Rear Differential and I'm paying a car note on!!! This is DEFINITELY NOT MY FAULT I NEVER KNEW I HAD A LEAK EVER, I NEVER SEEN A LEAK ANYWHERE!!! I've heard about all the bad reviews about this company how they will not help any customers they have to fix their vehicles. They want people to buy the warranty for their cars but will not fix no customers vehicles. This is soooooo wrong of them to take people's money but in return will not do anything to help fix people's cars. There are to many reviews on them out there, anyone can read them and see just how much of a fraud they are. This is just an excuse of them putting it this way to not fix my car!!!! My next step is to get an attorney and go to the News and get them to air this company of how bad they are and how they do people wrong!!! Protective Asset Protection Company will be closed down for being a rip off company....! All I want is my car fixed I'm a single mother and hard working woman, I need my car working, God sees everything and justice will be stand on my side!!!! WILL SOMEONE PLEASE HELP ME!!!!!
Protective Administrative Services, Inc. ("PASI") is in receipt of your September 6, 2019 follow-up letter addressed to Protective Asset Protection. PASI is the administrator of the Lifetime Powertrain Warranty ("Warranty"). We respectfully request that you change your records to reflect the correct company name. We appreciate the opportunity to review this matter and hope you find the following information helpful.
We reiterate our previous response that during inspection the inspector found that there were moderate to long term leaks from the axle and pinion seals, and it was the failure of these differential seals that caused the differential to run low on fluid and damage the bearings. Leaking seals are not covered by the Warranty.
At this time, there has been no additional information provided that would alter our decision and the claim remains denied.
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the Warranty and the applicable law.
Extended Warranty Coverage Declinded
On June 5th, we received notice that the company would not cover a claim for my Kia. The car was purchased less than 12 months ago and the type of coverage listed on our 1 page contract states "Full Coverage." They argued and said that their is a clause on the contract that states that engine work is not covered. Our contract is one page long- and has NO clauses listed on the contract.
I am looking for either a refund of the repairs- or a total refund of my extended warranty coverage when it was purchased, in July 2018.
Your correspondence of June 13, 2019 addressed to Protective Asset Protection has been forwarded to me for review and reply.
With the information that has been provided, we are unable to locate Ms. service contract. If Ms. could provide us with a copy of the signed Registration Page of the service contract or the VIN number for the vehicle, we will be able to perform a more thorough search and respond to the issues raised.
Ms. may fax the information to XXX-XXX-XXXX or she may e-mail the information to ***@protective.com. Once this information is received, we will respond further.
(The consumer indicated he/she DID NOT accept the response from the business.)
Additional paperwork has been emailed.
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr. does work at the selling dealer where the car was purchased. The dealer also stated that the work needed on the car would be covered under the extended warranty that they sold to me.
When they were told that Protective would not cover the repairs, they provided me with the above agreement. The piece of paper that was previously submitted- was the only paperwork I ever received from Protective. We did not even know how to contact the company until the selling dealer provided the above paperwork.
Protective Administrative Services, Inc. ("PASI") is in receipt of your follow-up correspondence dated July 9, 2019. In her complaint, Ms. states that she does not accept our latest response and claims she did not receive any paperwork regarding the coverage she purchased.
Ms. purchased the Vehicle Service Contract ("Service Contract") on July 31, 2018. As stated in our previous response, the customer generally receives the Registration Page of the Service Contract at the time of the sale and then, once we receive a copy of the Service Contract and payment, a coverage booklet is mailed to the customer at the address on file. Our records indicate a coverage booklet was sent to Ms. on August 17, 2018.
We reiterate that we believe the claim was properly denied in accordance with the terms of the Service Contract. Exhaust systems are specifically excluded from coverage under the Service Contract purchased by Ms..
Based on our review, our position in this matter has not changed. We trust this response satisfies the concerns raised by Ms..
By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the Service Contract and the applicable law.
Not honoring the warranty
Engine Failure on my 2012 Hyundai Sonata Hybrid Hyundai Corporation is aware of this issue I've already filed an complaint with them complaint case # XXXXXXXX. I have also filed an complaint with NHTSA case # XXXXXXXX. Protective Asset Protection is the warranty company that holds the additional 100,000 miles extended warranty provided to me by *** Hyundai. The extended warranty is there selling feature on all there vehicles across the USA. *** has also been informed of this entire ordeal in regards to my engine that seized up on me on 04/07/2019 the car has been diagnosed at *** Hyundai dealership with engine failure due to a thrown rod which is an component inside of the engine which has been confirmed to be a manufacturer defect not something in which I the consumer could have caused. I have kept my end of contract by keeping the recommended maintenance done on my vehicle as required by the warranty company it is now time for them to also keep there end of the contract by honoring the warranty. I have been stranded now without transportation since 04/07/2019. Protective Asset Protection has informed the service Technician *** at *** that they will not be accommodating me with a rental nor a loaner vehicle or reimbursing me for the cost of a rental in which I have already incurred a $400 dollar bill for a rental I had for a week due to my car being down. Protective Asset Protection indicated that they will only pay $4700 towards a the cost of replacing the engine which is $10,357.43 leaving me the consumer with a whopping balance of $5632.24 to eat due to something I had not caused.
Resolution for this would be complete coverage of replacing my engine at no cost to me the consumer, provide me with a rental car while my vehicle is in the repair shop and also reimburse me for the rental and expenses incurred during the past 3 weeks while my car has been in the shop being diagnosed per there request of a total engine tear down made by your company Protective Asset Protection which is $400 for the rental car I had for 7 days. There should be no out of pocket expenses to me due to a manufacturer defect.
Protective Administrative Services, Inc. ("PASI") is in receipt of your May 1, 2019 letter addressed to Protective Asset Protection. Please note that PASI is the administrator of the Limited Powertrain Warranty ('Warranty") purchased by Ms.. We respectfully request that you change your records to reflect PASI as the correct company. We hope you find the following information helpful.
In Ms. complaint, she stated that she is not satisfied with the amount that has been paid on her claim and that the rental reimbursement request was denied. The claim was approved up to the actual cash value of the vehicle at the time just prior to the breakdown. Under the Warranty's Limits of Liability section, it states that "The liability of the Issuing Dealer for each repair visit is limited to the actual cash value of the Covered Vehicle, at time of Breakdown, not considering loss of value due to the breakdown of a covered part. However, the aggregate of all benefits paid, or payable under this Limited Warranty, and limits of liability hereunder, shall not exceed the trade-in value of the VEHICLE immediately prior to the repairs, replacements or BREAKDOWNs, as determined by the most recent National Automobile Dealers Association Used Car Guide for an average vehicle." As the claim has already exceeded the actual cash value of the vehicle, the total dollar amount that was authorized will remain the same.
I hope this information has satisfactorily addressed Ms. concerns. By pointing out the foregoing, PASI and its affiliates do not waive, but specifically reserve, any and all rights and defenses they may have under the Warranty and applicable law.
Sincerely
MY VEHICLE HAS ENGINE FAILURE DUE TO BRAKE DOWN OF MOVING PARTS WITHIN THE ENGINE CAUSING A KNOCKING AND OIL CONSUMPTION MY ENGINE NEEDS TO BE REPLACE
VEHICLE WAS TAKEN INTO A KIA SHOP ON 03/01/18 FOR CHECK OUT OF ENGINE NOISE FOUND INTERNAL FAILURE OF ENGINE I HAVE PAID FOR A WARRANTY WITH THIS COMPANY AND HAVE ALL MY SERVICE RECORDS SHOWING HISTORY OF WELL MAINTAINED VEHICLE AND DOCUMENTATION FROM KIA SHOWING THIS COST TO REPLACE THIS ENGINE IS AROUND $4,700 MY VEHICLE IS STILL IN PIECES AT THE KIA DEALER AND I AM UNABLE TO DRIVE AND STILL STUCK PAYING FOR TRANSPORTATION
I AM SEEKING REPLACEMENT OF MY ENGINE DUE TO INTERNAL FAILURE CAUSED BY INTERNALLY LUBRICATED PARTS
Inc. ("***") is in receipt of the March 21, 2018 correspondence addressed to ***. ("***"). While *** and *** are both companies under the Protective Group of Companies, *** should be listed on your file as the correct company. *** is the Administrator of the Advantage Vehicle Service Contract ("Service Contract") that Mr. purchased. We appreciate the opportunity to review this matter and hope you find the following information helpful.
We recently responded to Mr. and to the Ohio Attorney General regarding Mr. complaint. As was explained in our previous responses, the claim was denied because there was no mechanical breakdown shown. We had a third party inspector inspect the vehicle and it was found that the piston ring had not broken, but was seized due to carbon build up. A breakdown means the failure of a Covered Part to perform the function for which it was designed due to defects, faulty workmanship in its manufacture, or failure of a Covered Part as a result of normal wear and tear. Carbon buildup is not a mechanical breakdown.
We have offered a re-inspection for a second opinion and also explained that if the repair facility has additional information that may have led to the seized piston ring, we would welcome its submission for our review. At this time, we have had no further information from either Mr. or the repair facility.
By pointing out the foregoing, *** does not waive, but specifically reserves, any and all rights and defenses it may have under the Vehicle Service Contract and the applicable law.
(The consumer indicated he/she DID NOT accept the response from the business.)
This is UNACCEPTABLE in every sense. A third parparty was NOT INVOLVED at all. The same adjuster came twice. And was asked NOT to send the same gentleman.
Also. Several qualified mechanics and professionally trained technicians stated there was nowhere near enough carbon buildup to cause ANY ISSUES. In fact, stated the engine was very clean and maintained properly. I would like to schedule another adjuster to visit the dealership and meet with the technician. This issue NEEDS to be resolved. I paid for a warranty and protection for my vehicle. This is wrong and dishonest. I will see that the dealership contacts your company for further action
Inc. ("***") is in receipt of the March 30, 2018 follow-up. We have had a third inspection performed and after a review of this inspection, we will be authorizing the repair up to the actual cash value of the vehicle.
By pointing out the foregoing, *** does not waive, but specifically reserves, any and all rights and defenses it may have under the Vehicle Service Contract and the applicable law.
(The consumer indicated he/she ACCEPTED the response from the business.)
Ready for this to be OVER so I can move on with my life