Portfolio Protection Vehicles & Services

I was told by Portfolio that they will not be covering the repair since it is a pre-existing issue caused by the wreck. I asked them how they can know for sure that it was caused by the wreck since it was a LOOSE NUT. For all they know, it could have been from wear. Would they send out and adjuster to MAKE SURE?! Not that either! They basically admitted in roundabout words that anything that wears out won't be covered!

What's the point of covering my car if you won't cover anything that wears out?! If you check the other reviews, they will refuse you for ANY reason! I'm going to by contacting the dealership I bought the car from, and will be asking them to remove this coverage. I'm not paying for something that I won't use. I could just save the $3,500 they charged me on the loan, and actually have it available for when something goes wrong.

When I called, the woman I spoke to was no help and could only tell me that she is just a customer service rep. What customer service? I asked her to speak to someone above her and was called back by Chris who was curt on the phone with me, and at the end of the conversation, I asked him if there was any other recourse for me to argue my case and he flatly said no. When I told him he had been no help, he replied, “OK. Have a good day,” and was done with me. HORRIBLE Customer Service. I’d rather pay full price for repairs than ever use this company again. Spend your money elsewhere.

Current repair shop blamed the problem on the engine harness; said it was not put together correctly and that we needed a new engine harness. Engine Harness IS a coverable expense under the F Hi Tech plan so I was not concerned. Further investigation with the dealer we purchased the vehicle from stated that prior to our ownership there was rodent damage and that dealer repaired (not replaced) the engine harness. While the current repair shop believed it to be a 'shoddy' job, the former dealer said 'it lasted over 50,000 miles.' Rodent damage was not revealed to us when we purchased the vehicle. In addition, prior rodent damage was not revealed to us by the person in charge of inspecting the vehicle in order to be covered by Portfolio, and this person did a very comprehensive inspection of the vehicle.

So, while we were just barely over 100,000 miles, it was enough over that the original warranty was no longer valid. The extended warranty opted to not cover due to rodent damage (even though, as stated, not under our ownership) and we are left with a bill of almost $2,000. I have not received satisfactory resolution from the company that services the contract - not to mention the fact that communication about whether or not it would be covered took almost a year. Our extended warranty has now ended because we reached 124,000 miles. It is my belief that Portfolio should pay for the replacement of the engine harness.

It is now 6/23/2023 and nothing has changed. Every time I call it's the same response ("we have requested an update from underwriting"). I am within my time frame and allowed miles and I followed the instructions and to how to file the claim. This has been a horrible experience for me and my family since we have to live out of our rv since my house got flooded back in May. I tried calling Robert ** as I did read through this forum and nothing, not even a call back. Portfolio Protection, you need to do better

Original Review: June 20, 2023

Updated on 06/29/2023: We had a claim started on 6/13. It took over two weeks to get it approved. After the repair the dealership found another part that needed to be replaced. Still waiting for them to approve the second part. We have been without our car for 17 days. It has held up a family vacation. I'd really like to get this resolved in a timely manner.

Original Review: We dropped off the car on 6/13 the claim was submitted 6/14. As of 6/20 it's still in underwriting. The part is at the dealership and I need the car back. They can't start the repairs until it's approved. The cost is only $900, well under the $2000 that requires additional review. Called customer service and got the run around. Just want an answer so we can get our car repaired and back on the road.

So this time, when the other living room slide started coming out we put some books to hold it in place and called customer service to tell them what was going on and they took notes and said it would be covered. I'll point out that under "Items Covered" the box next to "Slide Outs" is clearly checked, which they confirmed when we called them. We made an appointment to take the RV in to a repair facility and actually called customer service again the morning of the appointment and again we were told it would be covered and that the repair facility should call in after they had diagnosed the problem.

The repair shop did call Claims and in describing the reason for the failure, mentioned that some screws and rivets had sheared off, but they could not tell when that happened in relation to before or after the gear box failed. The reason for the slide out not being held in place was because the gear failed, likely putting stress on the gear box. The claims agent denied our claim because according to him, "fasteners" are not covered even though the contract says slide outs are covered without itemizing each component of a slide out.

The RV repair guy tried to put me on the phone with the claims agent but was told "I don't talk to policy holders, he has to call customer service." and he hung up. I immediately called customer service and they said they couldn't do anything because Claims had already denied our claim. The total repair was going to be less than $500 and we paid $3,100 for our policy, but the claims agent never asked how much the repair was going to cost.

I pushed back with customer service, saying I wanted their California license number because I was going to file a complaint and was put on hold while she tried to find it. She finally came back on the line and said her manager was trying to get hold of the compliance department but they were not responding, so he was going to ask the claims department to reevaluate our claim to see if they would pay it and he would call me back with their license number. It's now been over 24 hours and they have not called us our the repair shop back.

I'll finish by adding that when you call them, you can expect to be on hold for at least 20 minutes before they answer the call, because they are always experiencing a high call volume and even though they take your call back number, they never call you back when you get disconnected, which happens about 50% of the time.