Phoenix Extended Care Reviews

My complaint starts at the initial claim process, but more importantly now during the payment process. They're using any reason they can find to make the process difficult. Most recently, we've had to send registration and proof of insurance for the car. They expected me to search through the customers vehicle to find the requested documents (invading their privacy!). Now they're denying payment due to the customer getting married, her last name on the contract doesn't match the registration or insurance. Apparently we now need to prove the customer got married.. because the likelihood that there is another "Customer" with the same first name, same vehicle, same contract number, and same VIN number trying to scam Wynn's. We will no longer be accepting Wynn's Extended "Care" for our customers. They will have to find a new repair facility. If you're in the market for extended coverage, I would highly recommend anyone else except Wynn's.

I went to the mechanic, and a wheel bearing was unfortunately starting to go. The mechanic told Phoenix warranty company that this new problem has developed, and unfortunately the response that he got was that he misdiagnosed the struts being the issue, so they would only cover a percentage of the wheel bearing being fixed.

As the owner of the car, I was very happy with the mechanic on his job of installing new struts, as the car was not leaning anymore, but because I mentioned to Phoenix warranty company that the car still had a pull to the right, they would not cover a wheel bearing since they believe it was misdiagnosed. I explained to Phoenix warranty company, that the car got re-alligned, and everything was all good except for the new issue from the wheel bearing that came 2 days later. They unfortunately still would not cover the cost of the wheel bearing, saying that the car was misdiagnosed. Unfortunately this company called Phoenix warranty will argue with you and not want to help you too much when a second problem comes upon your vehicle. I will never ever purchase a warranty from them again.

Even worse, we have a customer whose vehicle has been sitting at a shop since February 2025, and Wynn's is now demanding the shop split the engine in half just to satisfy their inspection demands. This is beyond excessive and completely unreasonable for any extended service contract provider. As someone who deals with warranty companies every day, I can confidently say that Wynn's is not a company I would recommend to any customer, colleague, or shop. If you're being offered this plan when purchasing a vehicle, I strongly encourage you to ask for an alternative from a more reputable provider.

I vocally tell people to RUN away from contracts sold by your company. You should be ashamed, and you should be doing something about it. I did call your customer service departments and put in a vocal, formal complaint but I felt that was not enough. I have no idea if that will go anywhere so I am making my voice heard here. As a professional warranty company, you should really take my opinion to heart and make some changes. Not only would it make my life better, but MORE IMPORTANTLY it would make your customers happier knowing they have a trusted company that is there for them, OH and it might actually make you all more money in the future doing what you say you do on hold. "Here at Phoenix America we pride ourselves in our customer service". Maybe you shouldn't. there is a lot of room for growth. Be a company of your word and make sure all your claims' adjusters are doing what you claim.

Wynn's Extended Care Inc and Credit Acceptance Corporation continue to submit false information to confuse the potential arbitration panel, prolonging and causing further financial damages. There has not nor has there ever been a cold air intake system installed on this vehicle. The part that both Credit Acceptance Corporation and Wynn's Extended Care continue to misrepresent, intentionally, is a KN standard air filter replacement part, that was on the truck at the time of purchase. There were dozens of attempts made to rectify this situation and all our requests and demands have been ignored to date.

1. Plaintiffs are seeking a full refund of all payments made to Credit Acceptance Corporation including late fees $15.00 each and processing fees $3.95 - $9.95 each and they will regain ownership of the vehicle. We have been denied our payment information and locked out of our banking for nearly a year, this number is an estimation: $10,800.00.

2. The plaintiffs are also seeking damages including interest at a 22% interest rate, the same interest rate given to the plaintiffs for their purchase, be added onto the estimated refund of $10,800.00 retroactive during the timeframe they have been denied use of their vehicle and contract, and now a refund. Total interest $5274.72.

3. Cancelation of remainder of the loan balance estimated at $1100.00 held with Credit Acceptance Corporation and the immediate removal of all credit reporting made to Equifax, Transunion, and Experian during the timeframe the plaintiffs were denied use of the vehicle, vehicle service contract, and later denied a full refund to purchase a new vehicle; August 2021- Current.

4. Car Rental Fees from Budget, Enterprise, and Hertz from November 2023 - Current Date with the addition of any other weekly rentals that may incur after the date of filing; $3,300.00.

5. Delivery and Driver Fees from Kroger, Meijer, Walmart, Instacart, UPS Pickup, Door Dash, Grub Hub, Uber, Lyft totaling $3200.95.

6. Legal Costs including filing fees, postage, and currently 200 hours administration fees/hours totaling $5,000.00.

7. Insurance costs paid for the truck as the contract requires full coverage, though inoperable. Refund request is for the timeframe the vehicle has been out of service totaling $700.00.

8. First inspection held at Muffler Man & towing fees. $300.00.

9. Loss of Income from this investment’s continued denial of use and continually requested full refund $43,000.00.

Total damages $71,577.42 as well as any additional damages that may be awarded for Emotional distress caused by the plaintiffs, inability to use credit during the timeframe the contract has been breached, denied VA loans as a direct effect of credit acceptances continued reporting of goods not received, the psychological effects it has had on the entire family being unable to us their vehicle, canceled vacations, often being denied the ability to do things for themselves without seeking assistance, loss of enjoyment and pleasure in life, severe anxiety, Amanda’s inability to drive to appointments, Amanda being denied the use of her truck to take her children to school and attend their sporting events, missed dance classes, memories that cannot be recreated.

Credit Acceptance Corporation and Wynn's Extended Care take immediate and full ownership and responsibility for the Ford F250, relieving the plaintiffs to any and all debts owed to Mad Diesel Performance, which becomes the sole responsibility of the defendant’s. Respectfully YOURS.