Fidelity Warranty Company

Audi Q7 has a thin tubing, that drains water from the sunroof. The tubing is so thin, that it gets clogged and separates, causing water damage in the engine and inside of the car. This has only recently been recognized now that the Q7 has been on the market for a few years, and this is not a problem that can be avoided, due to maintenance by owner or car dealer. I paid a ton of money for a platinum warranty, to ensure max coverage. There is no higher warranty level. Fidelity is denying coverage. Nicholas (a Fidelity rep who only served to inflame the situation) says Fidelity will not cover maintenance issue. It sounds like a great loophole, to ensure that Fidelity keeps all of the money I paid for this high-end warranty, without having to pay out a dime!

I purchased the platinum warranty with Universal Nissan in Orlando since then I take the car different times to try to fix some problem like a noise on the front of the car. Fidelity sent an inspector that said that the noise was normal. And it's worst day by day since I purchased the car. I let them know about the brake disc and the response was that they were okay. Now, I have to change all four four disks. I have tell them (Universal Nissan) that since the third oil change, the car is making noises to what they said is normal sound, the valves or some inside the engine. I believe that I'm paying for a warranty. That is not true. Fidelity is stealing the money from honest persons. I want my money back because I never had any result on fixing my car. I even tried to talk to the inspector and he refused to talk to me.

We purchased the Best Platinum policy for $2700.00 and the first time we put in a claim they turned us down. Electrical sensor not covered. The dealer wanted $475.00 for the repair parts and labor. I talked to a supervisor who would not help us at all. I thought this company had a good reputation but very poor response. I will cancel my policy and try to my money back. Warranty has too many hidden loop holes.

I purchased an extended warranty from a reputable auto dealer ship in our area. The rear control arm failed on my car. This item was clearly listed on the platinum coverage yet the Fidelity service center refused to pay citing the one sentence clause of normal "wear and tear" on page two of my agreement and arguing the part the dealership was using was aftermarket, although this was the only part available to fix the problem at a reasonable price.

My mechanic stated he could not verify the exact cause of the part failure. Regardless of why the part failed, it did yet fidelity demanded proof of the exact cause of the part failure. The representatives continued to refer to the one sentence clause that stated the car was only covered to 50,000 miles which would in fact be less than the original warranty and render my extended warranty essentially useless and void because the car had over 50,000 miles at the time of purchase.

Nothing in the contract distinguishes what constitutes wear and tear, nor did I purchase the warranty with anything other than the expectation that my car would have extended warranty and provide peace of mind over 5 years or the additional 60,00 miles. I was then faced with waiting for an "inspector" and delaying repair preventing me from visiting an ill relative or pay for the repair out of pocket one week before Christmas. Ebeneezer would have been proud.

I have had issues with my ford fusion simply not starting, it doesn't even turn over. The battery had been replaced two months ago, and it has been running fine, but then I had problems with it starting. When I went to shut it off, and I turned it back on, it would hesitate, but then eventually start.

The ford dealership said that they hooked it up to their computer diagnostic and could find nothing wrong with it. They told me that, essentially, I would have to wait for it to happen again (most likely when the temperature is 50 below and I will be stranded somewhere with my little girl). The dealership told me that the warranty co. will not pay for a new starter, as they need "proof" in shop. In other words, the customer's words aren't good enough.

The dealership told me that essentially, there is most likely a "dead spot" in the starter and a new starter would solve the issue. Because the way this warranty company works, they will not even authorize a full diagnostic, if the mechanic does not witness the problem. I am so sorry I went with fidelity Warranty Company. I have owned other cars and the extended warranty benefits were much less expensive and they would cover most anything. Now, my little girl and I will have to suffer when our car dies this winter. To any attorney out there listen to what others are saying.

On November 18, 2011, I took my 2007 Ford Expedition EL to my local Ford dealership as I was having a strange noise in the engine compartment. The service department called me later that same day and advised that I had a warped intake manifold and they had called Fidelity Warranty Service (I have an extended warranty) who advised that they would not cover the manifold issue and the only way to warp a manifold was by overheating and they did not cover overheating issues. My dealership advised Fidelity that my vehicle had no history of overheating, no instrument warning lights and the computer diagnostic showed no evidence of any overheating or overheating type occurrences. Fidelity still refused to cover the repair stating that overheating is the only way this issue can occur, period. I have had two separate Ford dealerships and one independent mechanic look at my vehicle as well as run diagnostics on it with the same results. No event of it ever overheating. This a written quote from the Ford mechanic.

I've done this a long time and have never heard of a warped intake manifold. Had the engine overheated. there would be a code stored in the computer of an over heat condition. If the vehicle over heated, again, not something you could have caused- either a stuck thermostat or low coolant level caused the over heat condition. nothing you could have done but if you had low coolant, it would have been caused by a failed gasket which most warranties cover. I recommend calling the ford customer relations. If you have your owners manual, the 800 number is in it or call your warranty company

A second call to Fidelity was met with the same reply, overheating is the only way this issue can be caused, and it will not be covered. I tried explaining to the Fidelity representative on the phone that I had spoken with the Ford mechanics in length about this issue, they advise that there are several ways for this to occur. Broken bolts, improper torque of the bolts as well as shifting of the intake. When I requested an adjuster to inspect my vehicle I was told no, and when I asked about arbitration procedures, I was told read your contract. I have three independent mechanics advising me that my vehicle has never overheated and a phone representative saying it has without ever looking at my vehicle or offering a solution. I paid $1800 for a warranty that they are now refusing to honor.

I purchase this warranty for my car and before I purchased it, I asked a thousand one questions. They pretty much told me everything I wanted to hear. About 17 months later, I took my car to the shop and they did not cover anything. So I called the insurance company but they are out of business. I am very upset.

My husband and I purchased an extended warranty 5 years ago with a 100% refund guarantee if not used. I called today to start the paper work to receive the refund only to be told US Fidelity is bankrupt and I would be receiving nothing!

I purchased the warranties when I bought my car new. 2 weeks later, after reading the fine print, I canceled the warranties on the car. It's been over 4 weeks now and I still don't have my refund. I was told that it would take 8-12 weeks for a refund. It didn't take that long for them to send me the warranty package in the mail. It feels like I'm getting the runaround.

Deb, SE Wisconsin

My wife and i purchased a new Mercedes from this dealership in 2008. It has been the worse car we have ever owned. This car has been in their shop, about ten times for everything, from blinkers going crazy shortly after the purchase, sway bar links going bad at 50,000 miles, which the warranty company originally declined repairs for, the A/C not working and the latest issue, the transmission is starting to act up, after only 80,000 miles.

We thought these were quality cars. Well, needless to say we will never purchase another Mercedes as long as we live. The worse thing about the whole ordeal is the customer service, it leaves a lot to be desired. We urge anyone looking to purchase a Mercedes to do a lot of research, because these things are not built the way they use to be, they merely rely on the Mercedes name, but the quality is really really bad. Also, do not purchase the warranty offered by them which is through a company called fidelity, this company has turned down more repairs than we expected from a company that sold us a very expensive warranty. Mercedes has not been any help in getting them to approve any repairs. They won't approve the repair for the transmission because their diagnostic machine will show any codes, even though the driver noted that he felt the fault is in the transmission.

The real reason, I suspect is that the warranty will run out in another 5,000 miles and they are trying to dodge the responsibility of the repair. If you need more info call me at **, my name is Victor. I heard Audi is building some quality vehicles.

This company, Gene Messer, sold me this warranty package for $1800. Within two months, we had to put over $1200 into the truck for ejectors. Now 7000 miles later, they say more ejectors are gone and want another $1200. Fidelity did not pay one cent on the first problem. I was led to believe that the engine and transmission would be covered under the warranty.

Our car door key lock fell inside the door, it is mounted to the door from the inside of the door panel. We barely ever used it because we have the car key lock and unlock buttons. Fidelity said because the lock still worked and it wasn't mechanical failure, it wasn't under the warranty. $120.00 for the labor I had to pay. When we bought the car, we asked for extended warranty bumper to bumper and we got that. The paper says bumper to bumper extended. A few months ago, there was a popping noise in front right of the car. I took it to Reed Lallier in Fayetteville and they couldn't find anything. They said it needed lubed which also wasn't under warranty that was $160.00 not covered. I had a Pontiac for years, 100,000 mile warranty, and never paid a dime to the dealer for any repairs. We are very upset with Fidelity warranty and Reed Lallier in Fayetteville, NC.

On 8/27/2005, I purchased gold plus extended warranty for 2006 Hyundai Sonata to cover 7 years and 100,000 miles. The car needed an accelerator position sensor. After contacting fidelity, they refused to cover the part. This part sends message to throttle body (which is covered). This part is not listed in the exclusions on the contract. This part should be covered because everything involving the throttle body is covered.

This company refuses to provide warranty service purchased by individuals. A "top-of-the-line" warranty with Fidelity costs around $1,600. When trying to use their warranty, the company simply refuses to make good. Our situation was a clanking under the hood. Fidelity refused to pay the diagnostic fee of $135 because they felt that the broken leaky hydraulic motor mount could be discovered through visual inspection by anyone.

I'm not a mechanic. I don't even know what the motor mount looks like, yet I'm expected to figure it out for myself so I can try and use my warranty. Fidelity also refused to pay for broken suspension parts, stating that they are "wear and tear" items, even though the service mechanic advised that they were not worn, but broken. The mechanic also advised that the manufacturer had technical service bulletins about the suspension parts breaking. But Fidelity still refused to pay.

This company is operating on a marginal legal line. Someone needs to step in and help all of us take legal action. Has anyone thought of a class action lawsuit? Buyers, beware. Always search out companies prior to purchasing their services.

This warranty company called Fidelity Warranty Services are ripping consumers off. The dealers know about it and they are still selling these warranties to their customers. This must stop before it gets out-of-hand. Please, Consumer Affairs, do something. You are there to protect consumers like me from being ripped off by companies like Fidelity Warranty Services.

I had purchased a warranty on a 2006 Toyota Solara at the Toyota Dealer in Rock Hill, South Carolina, and was led to believe that if I sold the car, the balance of the warranty would be refunded to me. I had been trying since April 14 of this year to get the balance refunded. I have faxed the required documentation three times, spoken to seven different people, taken the information to the Toyota dealer (who has been sold to a different company), and still haven't gotten results. My efforts go unanswered, and the feeling of frustration is incredible. I would never recommend that anyone purchase this coverage.

BMW/ Minnie Cooper sold us a tire, road hazard policy when we purchased the vehicle. My wife unfortunately hit a pothole at midnight in a driving storm and bent both right side rims and tore a 4-5 inch gash in the rear tire. The car was towed to BMW where we were informed the rims and tire would not be covered under the policy. The reason stated was the adjuster stated the front rim would not be covered because the tire was not damaged, (you would think this would be good news), and even though the rim had a 3 inch dent, they would not cover a rim on which the tire was undamaged.

The reason for dissallowing the rear wheel was because they found "A SPOT" where the tread was below their minimums, not the whole tire mind you just one place, and therefore even though the SIDEWALL was cut 4-5 inches abd could have nothing to do with tread wear, the tire and as a result the dented rim were denied. When I spoke to fidelity they agreed that the cut tire could not be related to tread wear, but they stated they still would not cover the repair. So to clarify, they know the loophole they are using to deny the claim has nothing to do with the damage but still will not accept the claim. A word to the wise ....as long as you don't need them it's a nice policy to have. This will certainly color my opinion of the dealership and the warranty company when i buy next car...rf

After evaluating my Volvo S40, Waterloo Automotive determined the problem was a "torque rod mount." On a $288.80 bill, Fidelity Warranty Services, Inc. only paid $74.12 on the bill. This included subtracting my $100.00 deductible and applying the book that Fidelity uses for pricing.

Upon speaking with Fidelity Warranty Services, Inc., I became concerned when it was apparent that they lied. Joe at the call center spoke to Waterloo Automotive and put in the torque rod mount part price that Waterloo Automotive was charging at $150.00. This was false.

I became concerned that Joe probably put in another "wrong" information. I asked Basil, a supervisor at Fidelity Warranty Services, Inc., to reevaluate the claim and to speak with Waterloo Automotive. I had called prior to this and spoke to another supervisor, whose name I did not write down. When I called back to ask for his name, the supervisor did not put his name or noted my file that he spoke to me.

I was unable to complete my sentences four times as Basil continued to interrupt my verbiage. I asked three times if I could continue my sentence. When I was finally allowed to speak, Basil interrupted me once again. I gave up trying to explain that I was concerned that Joe did not have all information needed to properly evaluate my claim because Basil made the statement that Joe is human and it was an error. That was my whole point: Joe is human and mostly likely made an error in evaluating my claim. But, alas, Basil would not tolerate the notion from my point of view, only his point of view.

I listened and understood what Basil was saying, but, sadly, he did not reciprocate the courtesy. Basil said that he could not make outbound calls from the call center. This is also false. I investigated this statement further and discovered that outbound calls can be made from Fidelity. I spoke to another representative who confirmed Basil's statement was false.

Basil asked, "What can I do to satisfy this claim?" I tried to explain what Basil could do to "satisfy" this claim, but I was unable to explain. Basil was not flexible nor would he reevaluate the claim in anyway by looking at it. He just kept saying it was an easy claim and speaking to Waterloo Automotive. He said he could not make outbound calls and that Waterloo Automotive was ripping me off and we were just going around in circles.

I finally gave up completely asking Basil to reevaluate all information in a proper manner by speaking to Waterloo Automotive because Basil just sat on the phone and would not say anything. I do not appreciate attempting to speak to dead air.

For safety's sake, I was not able to drive the car one hour from my home to the purchase dealer. I do not know what was wrong with the car. Nor could I afford to have the car towed to the purchase dealer based on what Fidelity would not pay for a tow. Even though the $100.00 deductible is waived via the platinum plan, gas, mileage, time and the effort to take the car to the purchase dealer would have added even more financial burden to the cost of the car repair if I had paid for the tow out of pocket.

I would greatly appreciate if someone would reevaluate this claim with an open mind, flexibility, and kindness. Someone who looks at the bigger picture of a claim, does not rely only on a book, and sees the gray concerning my claim. Someone that would consider reimbursing me, at the very least, the $100.00 deductible based not only on what would have been the added financial burden of taking the car to the purchase dealer, but also the added financial and communicative rape that Fidelity Warranty Services, Inc. has made me endure today with their customer service and supervisors.

In February of 2007, I purchased an auto warranty for 6 years and 60,000 miles for my used vehicle which was a 2005 Pontiac Grand Prix which had a little more than 26,000 miles on it. The sales representative at the dealership stated that it was 6 years from my purchase or when my car hits 86,000 miles. I called to get a repair that was covered under my warranty and Fidelity told me that my warranty expired at 60,000 miles of the vehicle including the 26,000 miles that were driven by the previous owner. So essentially, they sold me a 4 year, 34,000-mile warranty. The sales representative at the dealership represented it as coverage for 6 years or 60,000 miles driven by me and since no Fidelity Warranty Services representative signed the paperwork, they should honor what that auto sales representative stated.

Well, they won't honor it and told me to read the sub-paragraphs on pages 6-8. My contract is only 4 pages. This company should be punished for their illegal business practices. I hope there is someone bringing a class-action suit against them and hopefully I can find a lawyer to do this pro-bono. The middle class makes up 67% of the population, our voices should be heard and our rules instituted. If a business doesn't want to honor contracts, set up scam contracts, or do any act that takes advantage of the middle or lower class. Well, we should take measures to make sure that company fails. I have contacted the Better Business Bureau about this matter and I am going to contact the local news station to ask them to do a report. Hopefully someone will do something to make sure companies like this pay for their unethical practices.

On Saturday, September 11, 2010 was when I noticed that the Air Bag light on my dash board never went off nor did the flashing passenger seat belt light stop blinking even when nobody was sitting in the seat.

I contacted my local mechanic who informed me that all my airbags have been rendered inoperable. I was told that I should call the Hyundai dealership where I purchased the car to have them fix it since I had purchased the extended warranty and there is no doubt that this would surely be covered under it.

Sure it was... not! The Hyundai dealer had to replace the unit under the front chairs and charged me $1,400 saying the airbags are part of the restraint system and the expensive extended warranty I purchased does not cover this. I am out $1,400 and nobody will listen to me.

I bought a used 2008 Ford Explorer from Don Bohn Ford in LA. Because the truck had less than 36000 miles, I qualified for extended warranty. I purchased this. A little over a year after I bought the truck (November 2009), the transmission went out. I was under warranty, so it was replaced. The transmission gave me problems from the startsporadically though. I bought it in to Ford. They were able to feel the jerking/slipping at times, but the problem would not duplicate itself when Fidelity's auditor came out. Needless to say, they wouldn't do anything.

This problem happened periodically. This past weekend (less than a year of the new transmission) the transmission went out again. This time, however, I do not qualify for a replacement because I have added more than 12000 miles to my truck since the transmission was installed. I live about one hour away from my job and travel each day. I was never told that there was a 12000 mile limit. I was only told that I had a one-year warranty. They are not worried about the fact that when the new transmission was first installed, it still posed problems. I am expected to foot the $3000.00 bill. I cannot afford that and I am considering letting the truck go back. I cannot afford to pay for a truck that I cannot use.

This is a retraction. I had problems getting FWS to honor a claim for my car under a warranty. However, due to the persistence of the dealer, Gordie B, West Bend, WI), FWS decided to reverse their decision and fix my car.

On 09/2005, I purchased a used 2003 Volkswagen Jetta station wagon. The car was two years old and had 13,000 miles. Along with the car, I purchased a 7-year, 100,000-mile warranty. I purchased it from a Pugi dealer that was located on North Avenue in Glendale Hts, Illinois. Approximately 1 year later, that dealer closed.

This past weekend, I had to take my car in to Volkswagen to have a defective radio base replaced. This cost me approximately $480.00. Then I was informed that my extended warranty expired January of this year, because on page two of the contract, (under service warranty period) it stated that if the miles on the car is less than 5,999, the warranty covers from the time the car was purchased (2005). If the miles are greater than 5,999, then the coverage is from the original year of the car (2003).

My complaint is that I was not informed about this limitation in coverage and was led to believe that I had 7 years of coverage from the date of purchase. Because my coverage expired January of this year, I paid for 7 years of coverage, but actually, I only received 5 years of coverage. I called Fidelity Warranty Service and informed them that I only received 5 years of coverage. I informed them that since I paid $935.00 dollars for the 7 years of coverage, they owe me approximately $260.00 for the remaining 2 years I didn't get coverage. They told me I have to take it up with the dealer who sold me the contract.

Personally, I feel that Fidelity's contract policy is very misleading. If someone purchases 7 years of coverage, they should be covered for 7 years, not 5. Additionally, they should reimburse me the amount I paid extra for the 2 years of coverage I didn't get. Thank you for reviewing this. Because of the contract and it expiring on January 2010, I had to pay the full $480.00 dollars for repair of the radio base that should have been covered under this policy.

I purchased a 2004 Mazda 6 from Gossett Motors in August 2006. I also purchased a Fidelity Warranty for 72 months/72000 miles for $1875 at the same time. Now 4 years later I need axle bearing on my car and I am told my warranty didn't begin when I purchased my car, but actually the year my car was manufactured. Why would I pay 1875.00 for a warranty that was 2 years old when I purchased it? I have read online all the complaints against this company, and wonder when something will be done. This fact is not stated on my contract, so how was I to know? It is going to cost me 500.00 to repair my car.

I purchased a VW Jetta through West Houston Volkswagen, another company I will never do business with again, in April 2008. The car was for my son who would be going off to college in a couple of years. So I decided I would look into an extended warranty at the time of purchase. Volkswagen sold me coverage with their name on the top; however, it is administered through Fidelity Warranty Services. I paid $1636 for the Gold Plus coverage.

About a month ago, my son was driving down the freeway and the car quit on him. He had it towed to the place we have our cars fixed who is authorized to do this type of service. The mechanics there determined that it was a broken timing belt and called the warranty company to have someone come out to check it out. When the inspector came out, he tried to have them say that the failure was due to sludge. He ordered that they needed to disassemble the valve cover to prove this was the case.

When the mechanics did this, they told them that it was not due to sludge at which point the inspector became upset with my mechanics. They called me to inform me that they needed the car to be looked at by Volkswagen and ordered that I send the car to VW. The car had to be towed there and therefore cost me another $125 to send (So far I was out $400).

Now VW had the car and the inspector wanted them to redo the same inspection that had just been done. VW determined that the timing belt was broken due to mechanical failure of a tensioner. I was told by the dealership that my warranty covered everything top to bottom in the car. I'm now being told that they don't cover this part in my engine.

The VW dealership I brought it to was different from the one I purchased it from because I noticed in my later dealing that West Houston VW seem to be full of fraud. Now Fidelity refuses to fix the car or reimburse me for any of my expense in moving the car to a different service provider at their request. The entire deal is a big scam. The VW dealer I sent it to mentioned that Fidelity seemed to want them to report the problem as sludge and when they would not they tried to find other ways to weasel out of paying for repairs. I lost $1,636 on the contract and now $3,000 on repairs.

Saturn of Asheville is out of business. You assigned our Car Care policy to a Chevrolet Dealer many miles from my home--Hendersonville, NC. It is a real problem driving north to their dealership in order to get service already paid for. Either sign up a GM dealer here in Hendersonville, or say within 10 miles, not nearly 30 miles--or I ask for a rebate of the several hundred dollars I have paid in for this service.

They performed to the letter of their contract. Wheel bearing failure was not covered under manufacturers warranty and Fidelity worked directly with the shop to fix and pay for the repair. No problems.

I purchased a used 2005 Chrysler Pacifica from JM Lexus October 2006. In November 2006, the air conditioning unit malfunctioned. I called JM Lexus, they explained the vehicle had less than 36,000 miles and I was still covered by the Manufacturer's Warranty, they advised me to contact a Chrysler Dealer and have the repairs completed.

I contacted Sawgrass Chrysler/Jeep, made the appointment, had the repairs done. I was thankful the vehicle was still under warranty. I used Sawgrass Chrysler for all my services, even tires, always paying the prices they gave me, never negotiating. As my car's mileage crept higher and I knew my warranty would expire, I went to the Dealership, now being called Fairbanks Chrysler and purchased an Extended Service Warranty Contract, the vehicle has 35,962 miles. I was advised by the Service Rep and the Finance Rep to purchase the highest coverage so if I needed the Warranty Coverage it would be there and not excluded.

I took their advise and purchased the Platinum Coverage for 6 years/60,000 miles and stated if I still have this vehicle when it has 95,962 miles, my husband is in trouble for not buying me a new car sooner. This was on 10/30/07, I paid $200.00 dollars down payment on the warranty and choose a payment plan, $93.18 was to be debited from my credit card monthly starting 1/25/08 thru 6/25/09, the total cost was $1,866.00. I walked away with my contract and piece of mind...so I thought.

I brought my vehicle with 64,000 on 10/6/09 to the same Dealership now being called Arrigo Chrysler. I explained the air conditioning is blowing hot air, left my keys, got a rental vehicle and went on my way. I received a call from the Service Rep stating I do not have coverage by the warranty, the Warranty Company shows my coverage expiring when my vehicle hit 60,000. The Service Rep told me the evaporator needed to be replaced, it was a big job as they had to remove the vehicle's dashboard to work on the a/c, he said it would be $1,800.00!

I explained there has to be a mistake, the Warranty Company has to enter my info incorrectly, I asked until I figure out if I do or do not have extended coverage, please as a loyal customer and he being the Rep that was with me when buying my Extended Warranty & knows what I purchased to help me out. He called me back 3 hours later and said he can do the job for $1395.00! Meanwhile I had called independent mechanics and received quotes no higher than $500.00 for the same replacement/repair.

I declined the repair, the Rep apologized, told me I would have to pay the $110.00 diagnostic charge BUT he would put chemicals in my car to make a little cooler at no charge, he advised me to pick it up Wednesday 10/7 at 9:00AM. I received an automated call on the 7th, the vehicle was ready for pick up. I did not want to incur the cost of the additional cost for the rental vehicle, I gave the rental back, asked to speak with a manager as I felt the $110.00 charge should not have been charged, it was 6:30PM, they close at 7:00PM, there was no one there of authority to remove the charge, I had to pay it to get my vehicle. I did ask to speak with someone in Finance.

The Manager in finance took one look at my contract and said the Dealership made an error and I did in fact purchase an additional 60,000 miles coverage because the contract DID show my actual miles AND the PREMIUM I paid was for additional miles not total miles on the vehicle BUT the dealership has been sold and I would need to contact the Warranty Management Company. I made the contact with the person they said WOULD be able to help me at the Management Company, she advised me she only cancels Warranties BUT she would get in touch with the person who could help me. I have not heard back from anyone from this Management Company.

I called the Warranty Company, they told me to fax a letter, along with any supporting documents and be patient as they are encountering many issues with warranties not being honored and dealership going out of business. THE BEST PART is the Warranty Contract I signed on 10/30/07 has a different # than the contract the Warranty Company shows for me, they also show I signed the contract on 11/30/07...1 month later?

I have a complaint about my service at a local dealership. Recently my mother's car broke down on the Hart bridge on the way to work. So we had to have it towed back to the dealership she bought it from to be looked at,( Coggin Honda of St. Augustine). My mother bought an extended warranty with this dealership through Fidelity. The mechanics pulled the car apart to diagnose the problem for almost $700.00 then stated it was a thermostat that went bad and caused the car to over heat. They said that Fidelity would not cover it because it overheated. Coggin now have my mother's car and she cannot afford to pay the $700.00 to get it out. We really need a second opinion!

My grandfather and I have spoken when several people with Fidelity and Coggin. It is still the same song and dance. Basically Fidelity has stated that no matter what caused your car to over heat, they do not cover it. So my mom cannot afford to pay to get the car out of the dealership, and no one is willing to work with her. I want people to know that these extended warranties are not worth the money. My mom's car is going to have to be a voluntarily re poed. Ruining her credit and good name.

I believe that the mechanics are saying that this is what is wrong with the car because they don't make as much money per hour when they do warranty work that they would if the owner paid full price. In this case it would be over $3500. We are desperate and are going to file as many complaints as possible. This has hurt my mother dearily. She is a great woman and just doesn't understand that their are people out their that just want to make a dollar no matter who it hurts.

First, understand who this company is. Fidelity Warranty Services (and Courtesy Insurance Company) is essentially owned by Southeast Toyota or SET. SET is the company that holds the monopoly on all rights to Toyota franchising south of Maryland and east of Texas. Said another way, SET is essentially the boss of all the individual Toyota dealerships in the Southeast region (since they can take away their franchises). The street address for Fidelity Warranty Services (and Courtesy Insurance Company) is Jim Moran Boulevard in Deerfield Beach, Florida. Jim Moran is the original CEO of SET which is based in Deerfield Beach, Florida. Get it?

Why this concerns you is that, if you buy a Fidelity Warranty Service product from a Toyota dealership in that region to protect a vehicle you bought at a Toyota dealership in that region, when it comes claims time, you will be asking that Toyota dealership to help you make a claim against its own boss. I wish you good luck on that one. Your premiums basically went right on into SET's pockets (less the sales commission). Then when/if it does have to pay out, SET is essentially a self-insurer, paying only the volume wholesale rate for parts and likely paying its captive dealerships for labor at a vastly reduced price. Nice racket, eh?

That conflict of interest is in addition to the unfortunate fact that insurance companies often tend to try to wiggle out of paying valid claims anyway. But in the situation described above, you won't even have the dealership on your side to advocate your valid claim.

According to my unnamed but quite-well-informed sources, Fidelity is quite adept at denying claims. The Fidelity contract IS short and written in plain English, so the average person can read it very, very carefully. (I didn't.) Do so - that's YOUR responsibility and Fidelity has made it easy for you to read it. You will find it filled with carefully-crafted clauses. Many are quite fair. However there are a number of clauses that will pretty much allow Fidelity a thinly-veiled excuse to deny whatever claim it feels like denying.

Here's one: You are not covered for the failure of a covered part due to a gradual reduction in operating performance as a result of normal wear and tear after 50,000 miles. If a part fails after 50,000 miles, well that's just normal for it to wear out, right? Claim denied at will.

Or how about this one? You are covered only if the failure is due to faulty workmanship or materials supplied by the original vehicle manufacturer. Did that turn signal stalk break right off in your hand? That's not faulty workmanship, you broke it, you klutz. Claim denied at will.

And here's some other items specifically excluded by contract under Fidelity's tip-top Platinum coverage - which the policy salesman will try to sell as protecting everything but the kitchen sink body parts & body panels & molding & door handles & locks & glass & lenses & paint (that pretty much excludes the exterior), trim & upholstery & bright metal (that pretty much excludes the interior), hinges, transmission clutch components, radiator hoses, advanced cruise control systems, appliances (whatever that means), back up alarm systems, convertible tops, rattles, squeaks, wind noise & water leaks (from poorly sealed windshields, for example) and even safety restraint systems.

And it also excludes repair of correction of excessive oil consumption or any reduction in engine efficiency. Engine problems? Claim denied at will.

Read the complaints below - and Google around a bit more - and you'll find more than a few individuals saying that failed parts parts specifically listed as covered in the Fidelity Warranty Services contract - were outright denied without the agent even bothering to cough up an explanation. Why didn't they bother to explain? Because they don't have to be bothered - they've got their clauses to wiggle around in if they actually feel the need to provide an explanation. But that would be wasted breath and wasted time, since what are you, the consumer, going to do about it anyway?

You can forget about complaining to the BBB. These days, the BBB pays its utility bills with the hefty annual dues that come from the corporations who become its members. The Southeast Florida BBB currently rates Fidelity Warranty Services as A+.

Oh, and for all those people fussing that they are going to sue and are going to get a class action lawsuit going, well they can just forget that idea also. The Fidelity Warranty Services contract clearly states You agree that all claims arising are subject to neutral binding arbitration Any claim or dispute is to be arbitrated on an individual basis and not as a class action. You expressly waive any right to arbitrate a class action or in a private attorney general capacity

There's a reason why so very many corporations these days are inserting arbitration clauses into their retail contracts and you can be sure it's not because arbitration is a fair shake for the aggrieved consumer. The courts are, in theory, bound to decisions based in law. Arbitrators are not. Unlike the public court system, arbitration is a private business. And guess who the arbitrators customer is? Guess who pays arbitration fees day-in, day-out, year-after-year? Not you, the lowly individual consumer, but the corporations the very same corporations who actually create the demand for arbitrators through their contracts. Checkmate.

If this situation has outraged you, then probably the most effective thing you can do about it now - since you've already flushed your money down the toilet - is to tell your Congressmen to back the current administration's attempt to outlaw arbitration clauses in all retail contracts. That is unless you actually think it's a wise idea that any and all corporations with which you have to do business should be allowed to set themselves entirely above all law and then do to you (and everyone else) whatever they please. Without arbitration clauses, corporations would tend to treat consumers somewhat more fairly, since it would be in the corporations financial interest to do so. It would, in many cases, be cheaper to simply honor the contractual obligations - than to shell out legal costs, fight class action lawsuits, etc.

I'm writing this on behalf of my mother who purchased a 2005 Chevy Venture from Cascade Chevy, Sublimity, OR to better transport my father to and from doctor appts. She was also an extended warranty from Fidelity Warranty Srvcs 6yrs/100,000 which was effective from the date of purchase of the said vehicle 6/2005. My husband called Fidelity at Cascade's advice to see if the part in question will be covered, and "Eric", a claims adjuster for Fidelity said it would be covered.

The van was taken to Cascade Chevy dealer to repair an electrical problem. A few days later, "Mike" (another claims adjuster for Fidelity) came to the dealership to inspect the problem with the van and according to the worker at Cascade, Mike was out by the van for a whole minute and half and denied the claim stating that the problem was caused by water damage and therefore, isn't covered by the warranty. Water damage? My mom won't even drive the van in the rain, more or less drive it thru a flood zone!

According to a certified Chevy mechanic, the electrical problem that we were having with the van is a common problem and is caused by the air condition when used somehow the moist caused from the airconditioner is what caused the connectors below the floor board to corrode, thus creating a short. There's a cover in the panel that needed to be taken off in order to see the connectors underneath and I can tell you this much, it takes more than a minute and a half to open the panel and look at the connectors.

When we found out that the claim got denied, my husband and I called Fidelity again with the assistance of the Technician from the dealership and spoke to "ERIC" once again. He said that the claim is denied and when we asked just where in the "EXCLUSIONS" of the contract did it say that water damage is not covered, he said to read #8 and #18. Neither one of those number indicated anything about water damage. Even "Randy" the Technician for Chevy dealer tried to reason with Eric but still nothing. He asked Eric if he's a certified Chevy mechanic and he said no. So, how can he undertand what is being to him if he has no automotive repair knowledge? Randy said all he can do is talk to "Marcie" who deals with this kind of issue, who in turns calls the District Mgr for Fidelity.

A couple of days later, my husband got another call from Cascade Chevy and told us that Fidelity wasn't going to honor the full amount of repair BUT is willing to pay $350.00 towards the repair of the van. Which means we're liable for $598.00! I don't think that's fair since Mom paid for the "PLATINUM" WARRANTY w/c supposedly covers 6yrs/100,000. She only has 70,000 miles on the van and it's only 4yrs old! This is truly frustrating. How can they get away with it!

Seriously, if there is ever a class action suit formed against this company, count me in. This company don't deserve to be in business!

After several days Dealer called to say claim was denied and I would also have to pay for rental car as it wouldn't be paid because claim was denied.I called guy in Florida about this and he was just a rude,arrogant S.O.B who thought people should treat him with "respect" even as he screwed them with his bogus car repair insurance scam.

Partially my own fault, but not sure this would have made a difference. On April 1, 2004 I purchased a new 2004 Toyota Avalon with the "TLC" platinum policy for a cost $1014. I have never had to use this policy.

In cleaning out some files in May, I found my original contract which expired on April 1, 2009. It stated that the purchase price of the policy was 100% refundable. In the fine print, it also said that you must request a refund within 30 days after expiration. Good gosh - how many people mark a five year anniversary for a car on their calendar?? I called the toll free number anyway - and a very smart-alecky man told me I couldn't get a refund because the policy stated WITHIN 30 DAYS (he kept saying that as if I was hard of hearing)!! No sympathy, no options, just said "That's what the contract says".

OK - so it's been slightly over two months - if the policy had ever been fully refundable, then I don't think they would have put the 30 day condition on the policy. I think a lot of people like me - don't think about getting all the fine print information - and trust me, the dealer won't tell you either.

This is the last time I will EVER buy car maintenance insurance. ESPECIALLY from this company.

BUYER BEWARE!!!

We wanted an extended warranty for 1998 Mercury Mountaineer. We saw the ad for Fildelity on tv and my husband had me go online to contact them. This lady called us this morning. She asked all kinds of questions and we both talked to her. It was fine until my husband asked her to send us information on the policy. That's when she told him they could not do that until we let them know how much we could spend a month for the insurance. We are retired and on a fixed income. We wanted to read the policy and see what we could do. She told us she was a broker and the company was General Fidelity Insurance group, for Ohio. We think this is a scam, because I went online about this and could find no phone number for Fidelity. They had to contact us, we could not contact them. Please look into this.

I took my VW 2007 Jetta to the local tire store and tried to get my tires replaced under the warranty that I purchased from Central Florida Eurocars. I have recently relocated and moved to California. The warranty is supposed to cover all rims and tires, I have a damaged rim along with a bad tire. I was under the impression that my warranty is supposed to replace the rim and tire due to road damage.

Fidelity refused to replace the rim and tire because they claim the tire cannot be prorated and the rim being bent is from curb damage. The rim has a flat spot on it which is where the tire tread is worn away prematurely. This area is on the inside of the rim and tire and there is no way this could be considered curb damage. Aside from the flat spot area on the tire, there is still usuable life. Lastly, how is curb damage not considered a warrantable item under road hazzard?

Purchasing a so-called warranty that flies by night, using the terms and conditions at their convenience and blatantly disregarding the customers who have paid their hard earn money out for a fraudulent cause should automatically warrant a full investigation and an all out class action lawsuit to stop these companies from taking advantage of we customers who trust them to do what is right. I purchased my warranty with Fidelity for around $800.00, and I am eating a loss of $400.00-$500.00, when it is all said and done.

Bought a car in June 2005 from car dealer Ed Schmidt Chevrolet. We bought a USED car 2003 Chevy Malibu. Told them we wanted a warranty to last as long as we have the car and payments so they sold us the Platiinum coverage 6 yrs/100,000 miles. Our odometer reading was 19015 at the time of purchase. We paid for our service contrat cover $2600 for this coverage that said it started on 6/2/2005. quote from the warranty: service contract period: coverage under the service contract begins on the purchase Date shown on the from of this Service Contract and expires according to the Term or Mileage of the paln selected, whicherver occurs first.

Plan expiration is measured in Term/Mileage from (a) the Purchase Date and 0 miles fi the current Odometer Reading is 5,999 or less, or; (b)January 1 of YOUR vehicle's model year and 0 miles if the Current Odometer Reading is 6,000 miles or greater. This section was not mention to my husband and I when we signed for the warranty. Why would we pay so much money for coverage less that what was discussed. I called the warranty company and they also told me my warranty had expired and dismissed me and would not explain any more. I would like to know what happen to my last 2 1/2 years warrnaty went.

On February 25, 2009 took the Chevy Malibu car in to the service department at the dealership Ed Schmidt with humming noice in the front end of the car. First day they took my car in said no problem because it was under warranty. Next day I inquired with the service department the accual problem with the car and they informed me my warranty had expired in January 2009.

I talked to two different finance managers and one said he would check into it. I received a lot of run around, so on Friday on the way home since I had not received a call from the finance manger I checked with the service tech. He informed me I had no warranty and if I wanted my car fixed and told me it would be around $800 or so plus tax. The finiance manger NEVER called me back. They had me because I couldn't drive my car, it was in bad shape which was considered under warranty and had fixed just last April of 2008 for the same problem. They had me because they said my car wasn't safe to drive and it needed fixed. I have no choice, but have them fix the car. I have to work.

I bought the extended warranty plan with my 2005 Envoy from Hall automotive thinking I was buying piece of mind just in case something happen to the car I would not have to come out of pocket for an expensive repair. I took my car in because it would turn off when I made a sharp turn and when I started it up in the morning it just didnt sound right. I had to pay the dealership 240 to tell me what was wrong with the car and when they told me it was a burnt valve in the engine I was sure it was covered under the warranty but to my suprise it was not. Fidelity informed me they do not cover the repairs because it wasn't a mechanical failure

I'm out of 240.00 with no repairs done to my car and now I have to take the car to another mechanic to have it checked out and repaired because I have no trust for Hall automotives the dealership that I bought the car and the extended service plan. By the time I'm finished I will be out of several thousands dollars with the repairs and the cost of the warranty

upon my visit to the dealership i conferred with a sales manager with my paper-work in hand, i believe his name was hamilton, he was very polite, and as i explained my problem to him he developed a very concerned look on his face and asked to borrow my paperwork. he then went back into the service area and had words with them while i waited for several minutes. i don't know what was said, but when he returned nothing he seemed honestly confused and sorry that he was unable to help me. nothing was resolved and i felt no relief from my anxiety. another sales man approached me in the new car sales area (michael), as i explained my delima he was also showing concern. through all of this, it became evident to me that no one there knows what they are selling to the purchaser. checkered flag toyota in virginia beach va.needs to know who this warranty company is and what there pushing on people.

prior to my trip to toyota that day, i stopped at cotmans transmission on virginia beach blvd. to have them put an eyeball on my problem, since they are very honest and reputable. they say the leake under my truck and called it in to the warranty company using my paperwork. the lady at cottmans (cindy) called the warranty company and was given the answer that i needed to take the vehicle back to where i purchased it, so i did and thats how this whole story started out.

driving home, i thought maybe i could reason with the warranty company, so i called them and probably got the same generic answer given out to everone else. i told the guy that the warranty says right there in black and white, that the said parts are covered. his reply was that i had purchased a wrap around warranty, my reply was that i was looking at the warranty in my hand and that it was specific in naming said parts. his reply was that i wasn't covered. i told him that i was sold a worthless piece of paper, he inturn said that it wasn't worthless then silence. so i thanked him for being so helpful and hung up the phone. lcckily i was unable to reach through the phone .

i'm scared to drive the truck, because the mechanic at checkered flag was telling me about a fitting that needed to be removed to accurately check the fluid level underneath the vehicle.he also said that this fitting could be easily broken off, oh goodie. i'm thinking, great something else to worry about. as i said before, my wife and i are pretty much dead in the water without this truck being reliable. i do love this truck, change the oil every 3,000 miles myself, but i'm not brave enough to attempt transmission work. thats why we bought a platinum warranty that was factored into the payment. this is a follow up statement continued from what i have told you before. thanks for your attention

my wife and i were denied coverage on my 2002 tundra after purchasing a platinum warranty through fidelity and toyota.in the brochure it plainly states that transmission seals are and gaskets are covered. after reading everyone elses complaints on several other websites along with this site, it makes me wonder why there hasn't been a lawsuit against this outfit. how many people have to be screwed royally before someone takes a stand.

my wife and i have a small business with her and i as the only employees.she is the owner and we struggle just to pay the bills like many of you with the same complaints. my tundra was purchased in 2007 and has 80,000 miles on it, the platinum coverage is supposed to be good for 7 yrs. and 100,000 miles.we have all been sold a wolf ticket and i think its time some lawyer ,somewhere should stand up for whats right. jm&a and courtesy insurance company are some how in bed with these guys and are growing in leaps and bounds.coutesy insurance co., i think has the same address as fidelity in florida.

you can forget trying to e-mail jm&a, the link doesnt work, but they do have a picture of their president smiling for everyone to see. don't waist your time trying to contact him, i'm sure he's on a beach somwhere on your tab. i've been in contact with several agencies and toyota in california, the bureau of insurance (federal trade commission), consumer sentinel, and won't be giving up anytime soon. as long as my fingers keep working and my computer doesn't die, i'll keep on trying to get some satisfaction. do't be shy, i encourage everyone to hammer every consumer protection group out there until something is done about these pirates, maybe eventually we will get some help.

my wife and i do painting and home maintenance for clients that don't live next door, so being able to get to the job site is a big plus. with my transmission leaking it would be nice if there was some kind of enviromental concerns also. we don't have the disposable income that these takers have, thats why we bought the warranty in the first place and had it financed in. at the time of purchase you have the good feeling that you got a warranty that protects you, guess not. the cone- heads ripped you off, like so many others.

my wife and i have a small business with her and i as the only employees.she is the owner and we struggle just to pay the bills like many of you with the same complaints.

my tundra was purchased in 2007 and has 80,000 miles on it, the platinum coverage is supposed to be good for 7 yrs. and 100,000 miles.we have all been sold a wolf ticket and i think its time some lawyer ,somewhere should stand up for whats right. jm&a and courtesy insurance company are some how in bed with these guys and are growing in leaps and bounds.coutesy insurance co.,i think has the same address as fidelity in florida.you can forget trying to e-mail jm&a,the link doesnt work, but they do have a picture of their president smiling for everyone to see. don't waist your time trying to contact him ,i'm sure he's on a beach somwhere on your tab,or cruzing at 30,000 feet in a g-5.

i've been in contact with several agencies and toyota in california ,the bureau of insurance(federal trade commission),consumer sentinel,and won't be giving up anytime soon.as long as my fingers keep working and my computer doesn't die ,i'll keep on trying to get some satisfaction.

I was contacted today by US Fidelity Warranty Sales for the third time. I have a Durango which has 104,000 and declined their $1700 Powertrain only package (which covers <50% of the vehicle), then a repeat call for reclassification to $1350 which I declined. Today, I was told, Since I am a low risk, I have been reclassified again for a lower amount. I immediately told the Sales guy, I am not interested unless the plan is around $600...PERIOD. He proceeded to transfer me to the Account guy and the only feedback I received was the disconnection sound of my phone. Yes, he hung up me!

My opinion, read the fine print, ask alot of Q's up front and demand a fair cost to the Platinum, Gold or Silver or whatever the heck they call it. Remember, these people want your $ based on instilling fear. I say put your $ in a savings account and use that $1700+ to fix the vehicle as needed. Shame on these companies preying on less informed consumers. Yes, it is ultimately, every citizen's responsibility to make good informed decisions before handing over the wallet - Buyer Beware! If it sounds to good to be true...then it is.

Luckily, none as I did not purchase their plan.

FIDELITY WARRANTY SERVICES, INC. refused to authorize/ pay for tire and rim replacment unless vehicle was left at authorized dealership for 24-72 hours for a third pary dispatcher service to disptatch a third party inspector to deem repairs and replacments were necessary. NO WHERE WAS THIS STATED IN THE TERMS OF SERVICE IN THE CONTRACT!

As a result I had to pay entire cost myself!

I took my car to Medias to have the attorniator replace. Wednesday 02/03/09 9;30am, The manager John faxed call their customer service was info to fax back to them the paperwork require by them. He did . We waited until 3pm and still no response from them, He call, I call no help at all very rude customer. The bottom line is not They would not paid for full amount of the service require to have my car fix. Not only that they had quote the job for a starter for the car when that was not the problem and every time they has Medias to fill their paperwork with infomation of what the car needed it was done.

I had to paid $194.06 out my own packet and the response to approve service for Medias to fix my car did come in until late 2pm on 02/05/09. Not only they are misleading in their TV conimincail by also on their booklet. I feel I should had not had to paid the rest of the money out my packet for a service .

i am having a major problem with my extended warranty people. let me explain. I have a 2005 GMC Duramax recently the check engine light came on and I took it immediately to the GMC dealer for them to check it out as I have an aftermarket warranty for 100,000 miles to fix anything bumper to bumper GMC called me to tell me the truck has major problems and the ECM, EGR, and the Fuel pressure regulator is toast? They stated that the extended warranty from Fidelity would take care of the rest. GMC called Fidelity and told them what needed to be fixed. Fidelity sent out an inspector to inspect the vehicle.

The vehicle has a bully dog outlook monitor that is connected to the pillar on the drives side of the vehicle. This outlook monitor is not operational and does not power up. The inspector reported that the vehicle had a performance chip added? to the vehicle. Fidelity denied they claim stating that the bully dog was the cause of the problems. Now GMC verified that NO performance chip was installed in the computer of the vehicle from the technician at GMC. GMC also provide me a letter stating that the parts are a common? failing part and have failed not due to ANY INSTALLED PERFORMANCE CHIP. I demanded that the inspector come back out to verify the outlook monitor not only did not work or turn on but nothing was installed in the vehicle to control the performance.

The inspector did come back out and we went out to the vehicle (still at GMC) and actually looked at the outlook monitor and tried to make it function (this was apparent that the inspector did not attempt to make it function on the first visit but only witnessed the outlook monitor on the pillar and assumed something was installed) The inspector after second inspection called Fidelity and told them (as I was standing there) that NO PERFORMANCE CHIP was installed and that the outlook monitor was not even functioning. Guess what they are still denying the claim.

Both GMC and the inspector stated NO PERFORMANCE CHIP INSTALLED, GMC stated common failure and nothing installed caused the failure. The way I read the Magnuson-Moss Act is just that GMC and the inspector for Fidelity the extended warranty people can not prove this caused the failure and by law can not stop the claim Please help with you wisdom as time is short. I need to either pay for the fix $3400 and go after Fidelity or keep fighting with an up hill battle Do I need to throw the MMA act at them and tell them that I am going to retain counsel? please help. $3400 damage they will not pay on!

I bought the extended warranty (Platinum) which I thought covered everything but the one thing I needed covered the most. I have a 2007 HHR which I bought in Florida. My standard warranty has run out which I thought was ok since I have the extended warranty through the length of my lease but now my seat belt won't buckle and I need it fixed only to find out that Fidelity does not cover any safety features. SAFETY FEATURES! One of the most important parts to be covered especialy in case of an accident.

Every part of my car that is factory installed is covered but not the safety features. That in my opinon should be covered. The safety features can either save you if used properly or they can kill you if not and when you don't have a extra $500 laying around and your extended warrany does not cover it then what good is an extended warranty? I feel that we are being ripped off by them. Safety features should be covered. Do they not want to be sued in case of an accident?

Thankfully in talking to a service manager here in Grand Junction I will not have to pay anything so it has worked out for me. But if it weren't the great service deparment here I would have been out atleast 500+ dollars which I don't have. My family lives on a fixed budget and $500 could easily make us or break us. I only pray in the next two years I don' have any more safety feature issues or any other issues come up because I surely don't have the money to pay for anything else. I feel I should be getting more for my money. More for my warranty. Especially in purchasing the platinum plan.

We purchased a 2003 Mazda 6 in March 2007 from a local Dodge dealer. We also purchased the Gold Plus protection? plan for 24 months or 24000 miles at a cost of $1697.00. This warranty was sold by the dealer as the best of its kind and they assured us Fidelity was a reputable operation. In November 2008 my son took his vehicle to the local Goodyear store for his scheduled oil change and they also did a routine inspection of the vehicle. During the inspection Goodyear found a failing left inner tie rod assembly and quoted a price of $ 690.00.

When I contacted Fidelity for instructions on how to proceed, I was told it wasnt covered because it failed due to what they term gradual reduction in operating performance as a result of normal wear and tear? and the vehicle had exceeded 50,000 miles. Even though their brochure specifically includes the tie rod, they defaulted back to this large cover all umbrella to deny coverage. I asked the rep what else isnt covered and was told there is no list. It seems they have a very lengthy list of reasons not to honor their warranty but no list of what they actually do cover.

When I told the Fidelity rep the vehicle had already exceeded their 50,000 mile magic number (the car and warranty was purchased with 63,000) when the warranty was purchased and questioned what value it was to me, I was told that was between me and the dealer.

I feel I wasted $1700 on a useless warranty.

i purchaced the platnium policy on my 2002 olds alero,the policy was for 6 yrs.or 72000 miles ,now they tell me it's expired after only 5 yrs. and 51,000 miles.this is not right.

My mother purchased a vehicle in August of 2002. The vehicle was purchased with a service contract # 69531663 for 72 months or 100,000. with GUARANTEED PURCHASE PRICE REFUND. When I called them to ask on how to file a claim they informed me that the plan we purchased was for 60 months or 75,000 miles and that any claim had to be made 30 days after the expiration of the contract aprx a year ago. I faxed in a letter of complaint and recieved a phone call back from Mike, he gave me instructions on how to submit a claim. That was in September and no one ever called me back.

My mother paid $1795 for this service contract that was to be refunded if not used. The contarct was never used and Fidelity Warranties makes it immpossible to recieve reimbusment

I brought my truck into the dealership for a condition appropriately named Death Wobble. It has been determined that the ball joints need to be replaced. When I bought this truck new from the dealer, I also purchased a Fidelity Warranty Services, Inc. extended contract, with the 5 year, 100,000 mile term. I opted for the Platinum option because it covered everything that was outlined in the Silver?, Gold?, Gold Plus? and then more. The salesman said that it covered everything except those items listed in the exclusions page (Ball joints are not on the exclusion page).I was told this was the best policy and would cover virtually everything.

Today when Fidelity was contacted for the ball joints the denied coverage. They claim that it is excluded through a clause that states 'they will cover the failure of a part due to gradual reduction in operating performance as a result in normal wear and tear, prior to the vehicle reaching 50,000 miles (my truck has 72,000 miles, but again the contract was for 5 years/ 100,000 miles). They told me that these ball joints fit this explanation and are not covered. they also told me that I can not expect the ball joints to last forever and that they only cover parts that have mechanical break down due to faulty workmanship. These ball joints are listed in the gold plan a s items covered. This contract is a Mechanical Failure Protection Contract but the person at fidelity is telling me that after 50,000 miles it no longer falls under the mechanical failure category.

When I asked for a list of other items in this category he told me there is no list. Every vehicle is different. It seems to me that their coverage is up to the whim of the adjuster. It is going to cost me approximately $1,200 for the repair. It cost me almost $3,000 for this contract. I feel cheated and deceived. I feel as though it is going to be a crap shoot every time I bring my truck in for repair. This is wrong, I have to pay to fix the truck, it is unsafe to drive this way and they know it. I paid all this money for piece of mind, but instead I got a piece of paper

I have to pay almost $1,200 to get my truck back on the road. I am loosing sleep over the issue. I have been without my work truck for 5 days and as a result can not work and am loosing money (I am in construction).

I purchased a Fidelity Warranty in 11/2002 from Toyota of Orlando & paid over $1200. Platinum Coverage was supposed to be for up to 7 years or 100,000 miles, whichever is sooner, with no out of pocket deductable on covered repairs. I the purchased warranty at the same time I purchased my car, a 2001 ECHO, with about 30,000 miles in 11/02. Currently I have about 76,000 miles on car, purchased 6 years ago.

Recently I went to have the motor mount repaired, which is supposed to be covered by the warranty...but FIDELITY would not honor it, stating warranty had expired. I'm still under the 7 year limit & the car only has about 76000 miles,but warranty expired? Apparently, the unreadable, small, light, grey print on the reverse of contract states that if you purchase a car with more than 6000 miles, the warranty begins on January 1st of the year of the car, or January 2001. I did not know this or was ever told this.This means the warranty was only good for about 5 years, not 7.

I learned about the expired warranty when the mechanic told me I needed a motor mount & warranty expired. The salesperson that sold me the warranty at Toyota of Orlando never told me this. Instead I was told Fidelity was a great warranty company & the Platinum is the best warranty they offer with coverage for 7 years or $100,000 miles beginning with the date of purchase.

I recently complained to the staff at Toyota of Orlando because I was sold a product & I was misinformed aboout the terms of the contract. I called the sales manager at Toyota of Orlando to see if they would reapir the $200 motor mount & he hung up on me....so I went to the dealership. I spoke to the customer relations person at Toyota of Orlando who was also rude. He offered me a 10% discount off parts. What's that..$5? I feel I was ripped off for $1200 by both Fidelity & Toyota of Orlando. They shoudl fix my motor mount & honor the 7 year/100,000 miles warranty till 11/09... or return all money paid.

Deceptive sales practices...$1200 loss!

I purchased a Premium Extended Warranty for my 2004 VW Touareg. On 09/26/2008 I took my vehicle in for service due to the tire pressure warning indicator light was on. The repair shop stated the Tire Pressure Sensors are failing. I reviewed my contract and it states sensors are covered. I spoke to three Fidelity employees listed above and they all agree that sensors are covered items. Fidelity Warranty Services denied my claim stating the internal (Sensor) batteries are failing. The sensors are complete and not separate components and the battery cannot be replaced. Fidelity stated they are not going to cover the repairs even though my warranty (Premium)states sensors are covered items.

I own a Ford E 150 Van and took it in to have my window repaired and check out a noise in the front end. I have the extended warranty through Fidelity and thought they would pay for the repairs. They agreed to pay for the window but said they, their adjustor, would not pay for the front-end repair.

I called Chris at Fidelity and explained the situation and he then called the dealer. He called me back within 30 minutes and gave the dealer the go ahead for the repair. They even paid for my rental car. Chris was very professional and took the time to help. Great service from Chris! Thanks

They took car of everything!

Brought our Audi into Service Department to fix wheel bearing issues. I was told that the fix requires a front wheel alignment. They discover that the tie rods are seized and unable to execute an alignment. The adjuster refuse to cover the replacement of the tie rods even though it states in the contract that tie rods are covered under the gold plan. We have the platinum plan which is supposed to exceed the gold plan.

The adjusters reasoning is, it is normal wear and tear and is excluded from coverage. When does a tie rod not fall under normal wear and tear? Smashing into a curb at 100 mph I guess. The Service department is even siding the warranty company by telling me the road salts caused the corrosion. Well, if he were smarter, our area does not use road salts, instead pumis.

Also, I had an alignment done by the service department one year ago and should had been well greased to prevent the seizure. So we are down $500+ a piece = $1000. Also, we were charged $159 for the wheel alignment which was supposed to be part of the wheel bearing repair. It is pretty obvious that Fidelity Warranty Service is eluding to stand by their contract and is shameful for a company like Audi America to place a name like Audi Pure Protection on it. Shame! Love the car but will not buy another one unless they revamp their service practices.

$1,032.36 + $159.99

My steering shaft is clinking and making a noise and I can feel it slip when I turn corners, etc., I have been told it is not covered. That it is not a safety issue, I think it is! What if it goes out while I am in a lot of traffic and causes an accident? They replaced my back window a few months ago because the de-fogger broke...go figure.

I purchased an extended warranty that was advised to us from the Mercedes Benz Dealer in Tampa Florida - Courtesy Vehicles. I took the vehicle to the dealers, and they informed me that the warranty worked needed to be done and should be covered by the warranty company. Of course the warranty company is saying otherwise and refusing to cover the item. I then called the orginal dealer and am getting the run around.

As I looked more and more into it, I learned that Courtesy Vehicles happens to have the same name as Courtesy Insurance, both based out of the South Florida area. So I have paid $3500 for a warranty that isn't worth anything to get the run around from the dealer,saying they are looking into it.

Lose of $1700.00 as the warranty company is refusing to cover the item, even thou the warranty completely says that it's a covered item.

At the end of the June our AC unit had gone bad. All we were getting was just a fan and no cool air. We've got people living in the house ranging from 91 years old to a 7 month old baby. I contacted Fidelity (our home warranty insurance company) during the last week of June to file a claim. They assigned for Superior Systems Heating and Air to come out and do an estimate. The initial call we received from the technician was that they'd come out on the 30th of June between 8am-12pm. We waited that whole day for someone to show up and no one ever did. We never received a phone call as to what was going on or what had happened.

The following day I contacted them and the receptionist told me that they had gotten busy and couldn't make it to our house. She claimed to have left messages on our phone, but we didn't have any messages, plus we were home all day waiting for them. So, she went ahead and scheduled for the 2nd of July. On the 2nd, two technicians showed up. After taking a look at the unit, we went ahead and gave wrote them a check for $50.00 (which was the service fee we would have to pay, as stated in our warranty). One of the technicians told my father that it was $55.00, and my father asked if they could hold on and let him clarify that with the insurance company first, since the policy only stated $50.00.

Well, at this point, the technician went ahead and said, "Oh, well, $50.00 is fine", took the check and left. Later that evening someone from the purchasing dept. at Fidelity contacted us and stated the repair would be covered for, we just had to pay $150.00 for the disposal fee for the bad compressor. I was content with the service up to this point because I thought that things would speed up. Well, unfortunately, we waited a whole week and heard nothing from either places. I went ahead and called Superior and the receptionist told me after looking into the file that the compressor was being ordered by Fidelity and they had not received it yet. I told her I would go ahead and call Fidelity to see what was going on. I got through to the claims dept where a lady told me that the compressor was ordered on the 2nd of July, and that it should arrive within 48 hours. I explained to her about our living situation and that for the next week the weather was going to be in the triple digits. She told me she'd transfer me over to the purchasing dept where someone would be able to help me track it.

Once transfered over, I was put on hold for about 5 minutes, then got a voice mail. I left a brief message, my name and phone number, but I never received a call back. The weather got so hot, about 109 degrees, and there was nothing we could do, so my father went out and bought an old cooling unit from my brother-in-law and installed it to the living room window. That helped out a little, but it was only venting the living room area. By the end of the week, my father had tried to contact Superior again.

The receptionist called me back and apologized for the long delay. She stated that Fidelity had not sent them the compressor yet. She also added that they had tried to ask if Fidelity would let them order the unit on their own and just get reimburse for it, but Fidelity said no. I told the receptionist that I would call Fidelity again. I tried calling back that afternoon, but got transfered to the same voice mail in purchasing again. I did not leave a message since they did not call me back the first time. Today is Monday, July the 14th. Almost 2 weeks have gone by and nothing has been fixed. The evening before (Sunday), my grandmother's asthma got really bad because of the high temperature's we've been having. I called Fidelity three times today, one call right after another. The first call ended up with the voice mail box again. I hung up and called back. I asked to speak with a supervisor and when the call was transfered, I was on hold for about 3 minutes, then someone hung up on me. I called right back, this time, I was pretty upset.

I got through to an agent in authorization dept who took forever to view the claim, then stated that they had no clue when the compressor would arrive. I asked him how hard was it to track down an item you're ordering? He stated he did not know and I would just have to wait. I explained to him what was going on and that I can't wait any longer for an answer. I asked to speak with a supervisor, and he claimed that he was the supervisor. Well, I told him that if I didn't get an answer by today, they will be hearing about a law suit. He then said that maybe he could find someone to help me, then put me on hold.

After about 5 minutes, he comes back on the line and said that for some reason, it "magically" appeared that the compressor had arrived at Superior already and they would be calling us anytime to have it installed. After I got off the phone with him, I called Superior and spoke with a Manual. Every sentence I started, he would cut me off. He said they would come out either tomorrow or Wednesday. I had about enough and said fine, that I'd be waiting. I don't know how much longer it may take for our AC unit to be fixed, but this had just been ridiculous.

Fidelity is not professional to work with, and if we had known, we would NEVER go through them. No one there can step up to the plate and simply just say "hey, we're sorry but this is what's been happening, this is what's going on right now..." Yet, they have the nerve to argue with you and tell you they DON'T KNOW what's going on and that even if you spoke with upper management they still wouldn't have an answer for you. People who talk like that should not be in the customer service field.

I work in the healthcare field where our patients are our customers, and we never argue with the patients and tell them that we don't know what the heck is going on with them and that no one else has a clue! If you were the patient, would you go back to a hospital like that? I think not... Think twice before insuring with Fidelity.

I bought the warranty on a 2004 saab with about 50,000 miles on it. I got the top of the line coverage the platinum. I was told that it covered everything except the convertable top, and some computer systems. Well, the computer system failed, and the strut bearing were going bad, and the window would not roll all the way up. I figured the SID panel, the computer, would not be covered but I assumed the strut bearings and the window would be.

They refuseed to pay for the bearings because they had to completely fail. Which is ridiculous because it would cause more damage to the vehicle at that point, the window was denied because they said it wasn't covered at all. They could not tell me what would be covered when I called only what would not be, what kind of warranty can not give me a direct answer about what is covered

The finance charges for the warranty, 600$ out of pocket, loss of time from work 90$, and the loss of piece of mind (priceless)

The power windows and locks on our VW Passat failed due to a faulty wiring harness. Our dealer, Minuteman VW in Bedford, MA, was able to make a temporary repair, but the proper remedy is to replace the failed harness. We have an extended warranty from Fidelity that should cover this repair.

Fidelity refuses to honor their warranty because their contract excludes any mechanical breakdown caused by . . . environmental damage. In short, their position is that the wiring harness surely failed because the car was exposed to rain, not because anything was defective. Our Passat is designed to operate in the rain. After all, it is manufactured with windshield wipers and windows that roll up. As a car built to withstand rain, its electrical components are either sealed to remain dry or designed to resist corrosion. When a connector becomes corroded, that's a failure due to faulty workmanship or materials, not environmental damage.

I spoke at length on the phone with Aaron B at Fidelity on June 3, 2008. He was also in touch with Minuteman VW. He denied the claim. Our mechanic at Minuteman agrees that Fidelity's argument is specious, and points out that this repair would without question be covered by the manufacturer's warranty.

Our dealer estimates the cost of the repair to be $260.

I recently requested a refund based on me never having used the warranty I purchased from Fidelity. A clause in the contract guaranteed a refund minus a $50 admin fee. I received a letter from the company that a claim had been paid ($243.86) on the policy. I informed the company that I had never made a claim on the contract and that I wanted to know who it was paid to as this was fraud. It appears that they are not going to give me the information.

If they are fabricating this pay out in order to keep my money then I am out $882.

We purchased a new 2005 Ford Taurus in December of 2005. At the time we opted to purchase the 100,000 mile mechanical failure warranty at a cost of $2000. We never expected to use it but this month we had to. The transmission went up on the car. I was suprised to find out that the contract allows the Fiedlity to put used part in the vehicle.

Yes, I signed the contract without reading it so BEWARE of this company! We are not getting a used transmission with 12000 miles on it, we do not know where it came from or what happened to the car it came from. Find another company to purchase your warranty!

A yaw sensor, part of the Electronic Stability Control System (ESC) on my 02 Audi S6 went bad. It is a $700 part. My Gold Plus coverage specifically covers ESC System. Fidelity denied the claim because according to them ESC means electronic spark control. However to the SAE (Society for Automotive Engineers), it is the accepted generic term for electronic STABILITY control systems that appeared on US cars in 1995.

The person at Fidelity said he never heard ESC referred to as anything other than electronic SPARK control. So now, it appears that when they run out of even ambiguous valid options, they can worm out of a claim by making up their own terms. ESC according to Wikipedia and also the SAE means STABILITY, not spark control. To get out of a contractual commitment by redefining industry standard terms to suit themselves seems to be fraud.

I bought a used car warranty from Fidelity 8 months ago, and they have been fantastic. It is a 2000 Mercedes S430; they have already spent $13,000.00 to repair my vehicle and have been unbelievable. I would use them again in heart beat.

I purchased a 2006 Chysler Pacifica in February of 2007. In January of 2008, the engine started making a light noise. I figured that it was probably a filter. I went to the KIA dealer here in Tucson, who is in partnership with Budget Car Sales where I bought the car. I told Tony, the KIA Service Rep, that I had oil changes done every 3000 miles at Wal-Mart. Because of my work schedule, I was not able to go to the KIA Dealership for maintenance every 3000 miles, I was working 7 days a week. The KIA Service Rep, Tony, told me that the filters used at Wal-Mart were not good enough, that I should have gone for oil changes with them. When the service department got into the engine, they found that the engine was obviously very well maintained. This was on Thursday and that they would have to take the vehicle to Jim Click Dodge for repair work. The Claims Rep for Fidelity went to the Click Dealership on the following Monday.

Meanwhile, I rented a truck from National Car Rentals. The rental period turned out to be 19 days. The maximum that Fidelity will pay is 10 days, according to the contract. When I submitted my paperwork for my car rental, which was $700, I was told by the Service Rep from Fidelity, that the repairs should have only taken 3 hours to do, not over 10 days. Jim Click Dodge Rep told me that there was a dispute in the numbers of hours it took to do the work. The dealership lost days of work because of them trying to work out the correct number of hours required to do the work, with Fidelity. The work hours required for the job was close to 10 hours, which I got verification from other shop owners that I know. Fidelity only paid for 3 hours labor and parts

The Dealer lost out on approximately $800, with which they tried to bill me for, but because of the information I had received, I avoided. My outlay on the rental was $700, of which Fidelity only sent a check for $175. Fidelity, never again will I purchase their plans. CHEAP, CHEAP, CHEAP... but their plans aren't. It is too bad that companies like this do business and get away with it. Technicalities and Legalities keep them in business.

I purchased a extended warranty on a vehicle I have only had for 1 year. The oil pump and tubing recently needed to be replaced. I was told due to silicone components leaking into the pump causing blockage (the silicone is used when the engine is assembled), Fidelity would not cover the replacement, saying it was not due to mechanical failure. Silicone leakage is mechanical failure.

I had to pay out over $900.00 to have this problem fixed.

I purchased a New Suzuki Grand Vitara in 2002. At the time of my purchased I purchases a Gold Premium for 60 Months or 60,000 Miles. In January of 2007, the engine had 50+ miles and less than 5 years on my automobile and needed a new engine. I contacted Fidelity Warranty and notified them of the problem. I was asked to take the Automobile to the dealership. I followed instructions. One week later, Fidelity refused to honor the cost of a replacement engine. I contacted the Better Business Bureau servicing the area. I also contacted the Consumer Protection Agency. Finally, they agreed to have my vehicle repaired. Part of the contract was for Auto Rental. I was denied my money I spent for rental for about one month. A used engine was replaced, but I was told that it was a new engine. Less than 9 Months later the engine was saturated with a mixture of oil and water. I called the Warranty Company, again I was bounced around from one person to the other. I was told to take the vehicle to the Dealership and have them call. I received a call from the Dealership who stated that Fidelity refused to honor the repairs.I am stuck with no car. How can big Cooperation take advantage of a small consumer in America?

I have suffered economic hardship without a vehicle to go back and forth to work. I get rides to work sometimes but it is a burden getting back home. My daily functions and activities with my family is very limited and is a burden on my entire family. I am on the brink of breaking down. Please help.

I was charged $50.00 for a job that wasn't performed on 10/30/2007. I called my insurance company, Fidelity National, to send service provider to fix the furnace heater. The heater pushed cold air at all times which is not sufficient to warm the apartment. The service provider, TGR Mechanical, spent less than 2 minutes in my apartment and hasn't fixed anything. He mentioned the heater is working properly, but in fact is not. Therefore there was no job performed. Why should I pay for a job that wasn't performed?