AFC Home Club
reviews and complaints

If I could give 0 stars, I completely would. The main reasons I chose AFC was because Randy (sales) said I would have a dedicated account manager and we could choose our own technicians. When I finally made a claim 8 months later, I never got a call back from my account manager and when I did choose my technician. They refused to cover the cost for a part for my furnace. The service manager said my furnace was 17 years old and it was only a piece of metal and I could get only $200 from the junk yard. He added that CRAST will use a guide for a prorated amount based on age. I told the manager that I never received any kind of guide that would tell me that information I've never met any manager that's been that rude to a customer. I was met with condescension and that the information is public record (I still can't find it online). Basically, after paying $88 per month for 8 months and trying to make a claim, they refused it based on a loophole. After I canceled, another manager called and said she wished she could've been the one to contact me before I canceled my membership. They refused to even reimburse me for the service fee to the heating company ($108). Basically, I invested over $800 dollars and still had to get my furnace fixed without using any warranty help. Lastly, this was in the winter with no heat in the house and it took WEEKS to sort out filing a claim, getting a technician out and phone calls back and forth. DONT USE THIS COMPANY and I won't be recommending any of my clients or colleagues in the real estate industry to use them either.

What should have been the simplest of claims has turned into a ridiculous chase to collect the reimbursement I was told I would receive. I renewed the membership for 3 years, however, I will be contacting them to terminate it. I filed a claim to have a water heater replaced, sent in the paid invoice for the work that was done. The company that did the work then contacted me for permission to confirm the work was completed with the warranty company when THEY were contacted by AFC Home Club. This seemed redundant as I had provided a PAID receipt. I few days prior when I sent the receipt, I had received an email stating that the reimbursement was in process. On Sunday afternoon, I receive a text to contact AFC Home Club about resolution to my claim which seemed odd as I was under the impression that I was merely awaiting the reimbursement. Today I call in as instructed by the text to find out that 12 days later the check STILL HAS NOT BEEN ISSUED. I insist that it be processed today and am told that while they will mail the check today, due to "snail mail" - yes their terminology, it could be between 4-6 WEEKS before I receive the check. I am located in the same city and zip as AFC Home Club. Since it's been almost 2 weeks already that I was told the check was in processing this just adds insult to the already shoddy handling of the claim from the onset. Beware this business for your warranty needs. I have always maintained a similar warranty on my previous residence, and likely will again, but I assure you, IF I can get the money they owe me, I will terminated the remainder of this contract.

Purchased a platinum plan, 3 years paid up front in full. 7 months later hot water heater started leaking. Filed a service request and took 8 days for someone to come look at it. Found was a crack in the heater and needed to be replaced. AFC would ONLY cover a prorated portion of the heater of 265.00 and would not I repeat WILL NOT pay any labor cost. Final cost of the bill was 1278 in which I had to come out of pocket the difference. I asked why and they said they do not cover labor onky a prorated portion to replace the item. Last month I had my AC serviced a d was found the evaporator coils were leaking and needed to be replaced. AFC said I could have the servicing company perform the repairs and send the bill in for reimbursement. I didnjust that, *** Air in Richmond VA dis the repairs, I paid them 2500 to fix and sent the bill yo AFC. AFC asked me for proof my units were serviced in the last year which i provided. They asked for a Reardon of the bill which I provided. They later came back to me and said because my unit were not serviced at the 12month mark they can't help me. I told them they were unable to service them due to covid restrictions. They later said they onky cover a prorated portion of the coils of 525.00 and no labor cost. Again THEY WILL.NOT COVER ANY LABOR FOR REPLACEMENTS. asked for for refund which again I paid 3 years 1485 (somewhere around that) and got a refund for 590. Shm what a rip off this company is. If you go with them onky purchase a year to year. They need to change there rules so if something needs to be replaced they also cover labor. Look elsewhere do not trust them.

Bait and Switch Sign Up

I recently moved into a new home and was looking for a Home Warranty company. The sales rep seemed affable and friendly, but did push for a quicker signup then I was prepared for and kept pushing for the three year plan, as it saved more, and always stated that it could be change or canceled any time. After signing up I had to wait 30 days to call in any repair, even emergency service. I understand about the repair call, but not the emergency aspect, but everything in the house seemed fine so I knew I could wait. Well close to the 30 days multiple things broke, and we had to live with the broken items for a little while. No dishwasher, one shower was out, and another was usable but not working quite right. After over the 30 day period I called them in, the agent said everything was covered, took my info asked about when they broke, and then said a service op would call me. When they called me they said that it wasn't covered because it happened in the 30 days. I said that I was told by the sales rep that they would be covered. The rep was calm, but Absolutely unhelpful or understanding of my position of feeling tricked by her company. I demanded a cancellation and full refund if they would not honor their contract They escalated it to a manager who called be a few hours later. The manager was even less helpful or understanding and tried to make me feel like it was my fault. They gave me an email address to cancel because can't cancel over the phone for some reason even though they can sign up over the phone. I said I wanted it in writing that I would get a refund as I have very little trust of the word of their company and they just kept saying to email my cancellation request. I've emailed it, will see what happens, not holding my breath.

Wow, and I mean wow. This has to be one of the most unprofessional organizations that I have ever worked with. A few years ago, I did what I thought was the smart thing and bought a home warranty to cover my aging heating and air conditioning units. I thought it made sense to protect myself in the event that one of the units went out. Well, I have been having trouble with my furnace since August and have had a repair person come out a few times. For the first repair I was reimbursed by AFC $300 against a repair bill of $1000. AFC said to me that this repair should really only cost $300. I asked if they could send out a repair person that would do this repair for $300 and they said no, they don't do that, find the repair person myself. Every repair person that I talked to, nobody would do it for less than $1,000. Well today, the unit went out and the repair person told me the best thing to do now was to replace the unit as the heating chamber had gone out. I called AFC back to file a claim and the person that I talked to was incredibly condescending and told me that after further review the $300 I was given was for either replacement or repair of my current unit. I'm not sure what fantasy world they live in, but $300 is roughly 5% of the cost of a new unit. I obviously do not expect 100% replacement but saying they already paid 5% is simply an insult. When I asked to speak to a Manager , or better yet, and Executive within the organization, of course they let me know no one was available. So basically I have been paying AFC Homeclub money every month for nothing. They are a complete scam. DO NOT, under any circumstances move forward with this organization. About as crooked as they come. Also keep in mind they hide a million way that they will not cover you in the fine print while advertising on their website that you will be taken care of.

I wouldn't recommend using AFC home warranty. I signed up on 4 homes to protect the water htrs and s. The sales person told me that they would be covered, even with an old *** and using R22. What I wasn't told was all the repair payouts are capped and the *** repair is paid out based on some prorated table, which means that after so many years they will not pay for the repair at all. This was not explained by the sales person or any of the other persons I spoke with. They also have some clause that says no payout if their is any rust. Well *** unit coils do corrode, even if you have annual maintenance, so don't expect the coils to be covered.When my water htr went out AFC said they wouldnt cover my water heater because it had 2 weeks left on a 10 year mfg warranty. They just washed their hands of it. So I had to make numerous calls to the mfg to get a refund. When I questioned why AFC wouldn't at least cover the labor costs because the mfg warranty wouldn't, they just said that is what the contract says. My 2nd repair claim was on a plumbing issue. I had a $2200 repair estimate and AFC said they would cover only $500. That is when I discovered that AFC limits their liability on repairs. My family members have home warranty with other companies and never heard of such a thing. Their warranty companies pay for full repairs. My other complaint at that time was I started getting different answers from the different AFC people that I spoke to on the phone. I asked about other limits and about if my *** would be covered. I got answers like it depends, we would have to see the repair. All they really had to ask was how old it was and they could say that AFC doesn't cover appliances after so many years. But they don't want you do know that. My third experience was with ice maker repair. The repair was capped at $200 for a $540 ***. That wouldnt even cover the part. Hardly worth the expense of the warranty.

Buyer beware, this Home warranty company is a RIP OFF. I needed to purchased a home warranty to cover the major systems in my house and I chose AFC for a couple of reason. 1st AFC Home club offered different coverage's, anywhere from everything in your home to just a systems coverage, which includes your HVAC System (furnace and AC unit). 2nd reason was I was told that I could choose any contractor that I wanted as long as they were licensed and bonded, or they would send me a list of contractors for the specific issue I was calling about. 3rd reason was that I was told that even though my HVAC system was old that I would be covered as long as I made sure that going forward I had yearly maintenance performed on my HVAC system. So I went ahead and paid for the systems coverage which is all that I needed, ($1100.00 for 3 year coverage). I purchased this coverage in Feb 20. The weather in my area was going to start getting warmer so before I started the AC for the year I called to have the yearly maintenance performed on my system. Well the maintenance found some issues with my AC unit and some issues within my furnace. The tech that did my maintenance recommended because of the age of my system I should have it replaced. I called AFC Home Club and submitted a service request for my HVAC system. I was asked for my maintenance record so I sent them the maintenance that I had just had done. I received a call 4 days later telling me that because I did not have a "clean" maintenance record withing the last 12 months (I did have one that was about 28 months old) that they would not cover any expenses, repairs or replacement of my system. This company will do anything and everything they can to avoid paying for items that consumers pay them to cover! I am reporting them to not only my state attorneys office, but also to the Georgia state attorneys office for deceptive advertising and sales. The ONLY reason I am giving them a one start rating is because I cannot leave the star rating blank.

Worst company EVER! Steer clear of them! They love to take your money and then when you have a claim you're lucky if they pay enough to even cover parts. They don't pay for labor/installation. Claim 1 - they would not pay even enough to replace the thermostat that I had in the property. And...claim 2 on the 2nd year, they said they would pay $402.00 towards replacing a 40 gallon hot water heater, when the estimate I got was around $1,500.00 for parts and installation. Having coverage on the day something happens gives you nothing if you decide to later cancel the contract. Their side of the contract is not honored at all! Then, I tell them to cancel the contract on 9/4 that I paid an annual renewal premium for on 8/13, and they feel that for less than 30 days of coverage that I owe them $150.00...WOW! I paid $450 for the renewal on 8/13, cancelled on 9/4, and finally got a credit back to my credit card for $300.00. They also tried to up the amount to cover the claim just over $600.00 trying to get me to stay with their company. They said they are not an insurance company and again, even though there was coverage on the date of the claim, they paid nothing and said they would pay nothing if I cancelled the contract. They really believe in their product and stand behind their contract ...NOT! In the beginning I spoke with their salesman Everett on the phone, and I point blank asked if there was any type of cancellation fee if I decided I was not happy with the contract, and his words...No. They lie and tell you what they think you want to hear to get your money and then they give you a *** contract in return. They also say how much better than AHS they are...I now see that that was their BIG joke of the day! Stay away from them...you're just giving them money for *** coverage at best if you even get that! Take my word or don't...you have been informed as to what my experience was with them. Notice they also don't have many comments on their FB page? Guess they know what people would really say about them...

I have had to make two service calls with this company. Each time they told me it's not covered. The first time was with an ice maker in my refrigerator. Initially they tried to tell me that they only pay $60 for the repair of my ice maker. I eventually talked to a manager that said they made a mistake and the service would be covered and I would only have to pay $60 like I was originally told when I purchased the coverage for my home. The customer service employees are polite, however they don't seem to be knowledgeable with their own policies and coverages. One service call like this wouldn't normally be something worth posting anything positive or negative. The second service call was for my washing machine. At first they tried to tell me that the technician, who examined my washer, said the failure was from overloading. I called the service company and they said they never said anything even remotely like that at all. I then call AFC back and they then told me that it would not be covered due to the parts not being included in the coverage I purchased. I had purchased their top coverage. Coverage I thought would be comprehensive enough to replace the parts needing replacement. The coverage didn't show whether or not the parts were covered. Due to it not explicitly saying the parts were covered, they apparently told me they were not going to cover the cost of repairs. Being that the repair cost for me was going to be almost as much as a new washer, I decided to replace my nine year old washer with a new one. I am sure they will post on here anything that will try to make them look like the good guys. They are far from it. They are a money hungry company with no true interest in properly serving their customers. Two experiences have told me this company is not to be trusted. They seem to want to try to get out of paying for as many service calls as possible. Maybe if they focus more time on customer satisfaction and less time on trying not to pay for service calls, customers would leave more positive feedback. DO NOT GET COVERAGE WITH THIS COMPANY, THEY ARE UNETHICAL WEASELS THAT TRY TO AVOID ACTUALLY HELPING THEIR CUSTOMERS WHO PAY GOOD MONEY FOR THIS SERVICE.

No stars! I haven't had hot water in 10 days. I called telling them my ELECTRIC water heater was tripping the breaker repeatedly. Flipping the breaker resulted in a very brief period of heating, which tripped it again. They have no one "in network" to deal with my area. They called one service who could deal with any water heater issue, but didn't hire him because he charged a travel fee since he was 30 miles away. Instead, they sent a plumber who can't deal with the electrical part of an ELECTRIC water heater! They tried to tell me, while the plumber was in my kitchen listening, that my work order was closed because "you have hot water." They claimed he had not told them the issue would reoccur in a matter of hours because of a bad breaker, and it took getting a manager to keep them from closing out the work order. They wanted to insure I would pay another service fee, for another call! Two days later, they sent out the first provider who charged a travel fee. Since it was after 6:00 pm on Friday, he couldn't get the type of breaker that matches my panel. He said he would come back out Monday with a breaker, if AFC Home Club paid him for this visit. He had no confidence they would pay him, based on the conversation he had with them a few minutes earlier. I paid him the $75 deductible via PayPal. Now, I have received a call from AFC claiming that I didn't pay the $75 to the plumber who couldn't actually fix the problem on Wednesday. When I reminded them I had a credit from the LAST BOTCHED SERVICE CALL, which left us without a working toilet for 5 days, he switched to, "oh, oh, that's right it, it was the current technician you didn't pay!" Now, the technician received an email in my living room saying he got my payment from PayPal, and saw the email PayPal sent me with the same information before he left Friday night. AFC lied on him! They claimed he said he hadn't been paid, so THEY paid him the $75 deductible and wanted ANOTHER $75 from me! He didn't lie, and they didn't send him $75. They wanted to extort more money from me! They're already charging me twice for one problem, by charging the deductible for each technician. Now they're lying to get more money. I STILL HAVE NO HOT WATER! AFC Home Club is a SCAM!

Total waste of money. I purchased the "Gold" package, which was supposed to cover most problems with home appliances and systems. (plumbing, electrical, a/c etc.) The first claim I made was for my faulty ice maker. After paying the required service fee of $60, (per incident by the way) I was informed by the vendor that AFC wouldn't cover the total cost of a new ice maker, but they would "pro rate" the amount they would cover based on the age of my refrigerator. My share of the new unit: $228! A week later, it failed. Same contractor returned and billed me $85 for a service call to correct the problem. Total was $373. Next, my dishwasher would no longer drain water, so I called again for service. The first vendor they sent out, looked under my sink and told me the problem was that there was no air gap installed. Being a retired maintenance mechanic for 35 years, I disagreed with his assessment, and informed him that the dishwasher had not had an air gap installed since new, and it worked fine. The next contractor they sent out told me my plumbing drains needed cleaning. I asked him why none of my other drains were backed up, and he could not answer that. I told him I refused to pay the $60 service charge, and called AFC to let them know of my concerns regarding the ridiculous diagnoses. They told me they would waive those service charges. I then called my own appliance vendor, who quickly determined the drain pump was bad. That service call was paid by me, $65. 3 days later, I was contacted by AFC and was told they would pro rate a refund of $150 for a new dishwasher. Today, 3/10, I noticed the bathroom sink was badly clogged, and wouldn't drain. I called for service and was told "drain stoppages are not covered, because our contractors would not warranty a drain stoppage". I then called my own plumber, who quickly cleared the stoppage, and the work was warrantied for 30 days. That was $79, which I paid. Needless to say, this company will NOT cover any appliance, or systems which they do not approve, without serious deductions from the cost of the repair/appliance. Buyer beware that if you cancel, you must do so in writing, and you will be charged $75 for early cancellation. There is a reason this company and many like it, have numerous complaints, lawsuits, and terrible Yelp reviews. Do not buy!

Call me silly, but I thought I would give AFC Home Club a chance after reading the negative reviews. Shame on me for doing so. I thought if I signed up for PREMIUM services it would benefit my needs. I wasted money and have YET to see how this is benefiting me. AFC is collecting money. I had a technician to repair my AC Unit, I contacted AFC they cannot replace my unit because the units are years apart, yet an HVAC company has already taken a look at the same unit and sending a salesman to sell us a unit. They are not saying the same thing AFC is saying. If we go by what AFC is saying, we can NEVER buy another AC unit unless we get rid of a perfectly functioning 2nd AC unit and replacing them both because they have to be the same age. That's GARBAGE just like AFC! They are Collecting Money Monthly from the clients and rendering no service That's A Good Deal! FOR THEM! I tried 3 times with AFC and they always ask for previous service receipts and when you do furnish the proof they will find a way to make a Determination on your claim and it is NOT in your favor! How is paying monthly without fail is benefiting me as a customer if AFC continues to turn down my service request? I purchased another refrigerator, because the folks at AFC will take their time to return to you because they know how important is is to have a refrigerator. I select 1 Star because the Complaintsboard.com system would not allow ZERO Stars! They have agents on the phone not knowing what to do, this is a RIP OFF COMPANY. They accept money from YOU, but have absolutely NOTHING to offer. I will be looking on here for better reviews and will eventually find a REAL REALIBLE Home Warranty Club. If you are out there. PLEASE leave a message. People this day and age and Money is hard to come by I know there's a company that Lives by their Statement. AFC is NOT IT! 7/31 I am on their website trying to CANCEL my contract. They have made it DIFFICULT TO CANCEL... Dear ComplaintsBoard.com, please tell AFC to Cancel my contract and do NOT collect any more money from my account. I am not RICH and I am NOT interested in just Giving Money Away and receive nothing! Go to AFC's website LOL! :D They only keep the 5 Star Ratings! If you see our reviews here, but see 5 Star Ratings There? Something is wrong. Spoken with an AFC agent and was notified that we cannot CANCEL on their website that a SUPERVISOR! Needs to do it. What's up with That? ComplaintsBoard.com, I am demanding AFC to ***END MY CONTRACT AFC*** and Complaintsboard.com I will let you know if they collect anything from my account. Not one cent more is going to you!

DONT TRUST THE CAR SALESMAN PITCH! Last year I was looking at a home warranty for a house we put an offer on. I knew the house had an original AC unit which was 13 years old. Coming from a house that we just replaced the AC unit, I didn't want to pay for another. I was assured that they would cover at least half of the cost. At closing of our new house we paid 3 years in full and I was happy knowing that we were covered. A month after we bought the home the AC was having problems, we contacted them to have someone fix it but was denied because "you don't have any service history on the unit"... WE JUST BOUGHT THE HOUSE!

Fast forward to October 15 and the unit goes out, we called the same company that cleaned it (no thanks to our home warranty) and they determined that the unit needed to be replaced. Over $6,000 for a new one and another hefty bill. My first step was to call our warranty company... well good news they didn't deny it. They said "we will give you $200 for the diminished value of your old unit"... is that a joke? I told them I was assured that we wouldn't be paying more than half the cost to replace the unit, so where is that money? The lady on the phone said "oh no, we would never pay that. We only pay the value of your old unit. As your old unit ages it depreciates, because this unit was so old we determined that it's worth $200". What a slap in the face! I called the billing department to cancel but because it was closed, I left a message.

Monday, October 26, a woman named ***.calls. I told her my concern and she said "we will not cover the cost of a new unit. It is in your welcome packet stating that. " Then she states "I can offer you $300 but that's the Max." WHAT A JOKE!

Guess I should have read in between the lines... because their welcome packet states " For HVAC Systems 5 years or older, CRAST will use a Guide for a Prorated amount based on Age. This will be based on units comparable to existing units that are currently in the home under this membership term.
AIR CONDITIONING/COOLER
Limited to two units. Main source of Air Conditioning to the home, up to a 5 (five) ton capacity, Electric Units below 21 SEER, and designed for Residential use. Coverage applies to ducted units only." So unless I can't read... I don't see where it states that they only cover the "diminished value" on a unit. (I guess prorated age if there way of saying diminished value)

I'm getting a refund (which seems like it'll be very low compared to what we paid in March ) and leaving this company. What a bait and switch tactic to Get money. Don't sign up with them, if you do don't expect them to do things fast or cover the cost to replace whatever failed in your home. Save your money and cover the cost on your own.

PLEASE READ! IT WILL BE WORTH YOUR TIME! This is our 1st TIME using Americas 1st Choice Home Warranty/Club, it will DEFINITELY BE OUR LAST! We have had HOME WARRANTY COVERAGE FOR 24 years. This is the 2nd company we have used. THEY DENIED EVERY CLAIM, EVEN WITHOUT SENDING A TECHNICIAN OUT. THEY ARE NOT THERE WHEN YOU TRULY NEED THEM. We actually had the same company up until this last renewal and SHOULD HAVE STAYED WITH THEM. We have PAID AMERICAS 1st CHOICE HOME CLUB FOR FOR 2 1/2 years and NEVER FILED A CLAIM. Our contract is paid in full and we have 6 months left but they can't get anymore money out of us since we have already paid it off. We are not customers who over use or abuse coverage, that is why we had our last provider so long, it worked well for both the company and our family. Over the past few months we have had several issues.#1 WELL, which we pay extra for this coverage. I was asked the symptoms when I called in, I explained I am not a professional but we seem to have fluctuations in our water pressure. BEFORE even SENDING a TECHNICIAN to our home to DIAGNOSE the issue the CLAIM was DENIED stating by the representative (who I don't believe is a well specialist but can diagnose by phone?), "pressure issues are not covered". We received no help and the problem, thankfully was simple not requiring a lot of money, it had to do with a wire connection.Still a professional should have been sent to evaluate from AFCHC.The 2nd time I called I reported there was a code on our 3 year old washer not allowing us to wash. A CODE WOULD COME UP, AGAIN BEFORE SENDING A TECHNICIAN THE CLAIM WAS DISCOURAGED, I INSISTED A TECHNICIAN BE SENT. After the technician diagnosed the problem, the CLAIM WAS DENIED. This company said they would not cover the Child Lock/Door Lock Sensor which is on the back side of the main power board because it is not a necessary function/feature. However you can not use the machine at all without a functioning Child lock/door lock and to do that requires replacing this power board/main board that houses this function. So I can not just buy the Child lock sensor or that particular board /part without replacing the *** that controls the washer. it is one in the same, not possible to replace one without the other. I spoke to the technician who diagnosed the machine, his supervisor, the ONLY WAY to REPAIR this CHILD SAFETY CONTROL ISSUE is by replacing the *** and they DENIED THE CLAIM. The repairs for this were over $550.00! The Machine cost $750.00. I DO feel the child/door lock is a necessary and important feature for any washing machine however and since I can't replace only one side of the *** you have to replace the whole thing THIS IS A LOOP HOLE THIS COMPANY USES TO GET OUT OF PAYING FOR REPAIRS! 3rd Call to the company again about washing machine. Now it won't start at all. It turns on, lets you pick the type of load, temp etc and then just shuts off. No Code, no other symptom, just dies. Completely different problem. AGAIN THE PERSON WHO I SPOKE TO DENIED THE CLAIM BEFORE SENDING ANYONE TO MY HOME TO DIAGNOSE THE PROBLEM. SHE SAID IT IS THE SAME PROBLEM, I EXPLAINED IT IS COMPLETELY DIFFERENT AND HAS NOTHING TO DO WITH THE CHILD LOCK AND THE WASHER WILL NOT EVEN START. SHE ARGUED AND REFUSED TO LET ME SPEAK TO THE SUPERVISOR. I HAVE REQUESTED A SUPERVISOR CALL AGAIN, I AM TOLD THEY ARE BUSY, I CAN NOT HOLD BUT THEY WILL CALL ME BACK. I HAVE NEVER HAD A CALL BACK. DOCUMENTED DISHONESTY, TONE AND MANNER IN WHICH THE REPRESENTATIVES COMMUNICATE WAS/IS VERY RUDE AND NOT AT ALL COMPASSIONATE OR HELPFUL When I needed them most they completely dropped the ball. I don't want something for free, I want to have the coverage I PAID FOR!. It will not happen with this company. . The CUSTOMER is NOT *** here. So IN A NUT SHELL...WE PAID A LARGE SUM OF MONEY FOR NOTHING!

I must say at first I was very impressed with the customer service level at this company. I open my first ticket in regards to my washer. A technician came out and all he did was complain in regards to Samsung not being a very effective product besides for televisions. He also complained regarding the fact that I did not have the old-fashioned agitator in my washing machine. He ran a couple of cycles and told me he was going to research some things and get back to me. I advised him that I was going out of town for a few days. I did not hear from his technician for 48 hours so I took it upon myself to contact him via email. He responded by saying he contacted Samsung and claimed that everything is a spec. I told him well I find it very hard to believe is my washer was not washing my clothes. I reopen my ticket with this club they assigned to the same technician. I contacted them via email and via phone to let them know that this technician did send an email out to me and I advise them my of my availability. When I got back in town this club has sent me several emails about my resolution so that's when I reached out to them and told them the information that I provided to the technician and they never showed up and never reached out. I was told my ticket was going to be reassigned to another company at no charge. The new company contacted me saying when he will be out that he did not have an ETA. Well I waited for that day I emailed this technician since they all like to work via email for records, he told me he was in Virginia and not in Florida and was not going to be able to make it. He said he was trying to find another technician to take his place. After a couple of days I contacted this club who reached out to him and finally he Got someone here. The person came in address the washer and said the computer or control panel need to be replaced more likely. Now by this time I have open another ticket for my microwave because that started acting up. He commented that the computer was gone on that and that the main technician who decided to take it to was not going to like it. Well this seem to go back-and-forth but I don't know how long. I know my tickets were open for the washer almost 3 months with no resolution. I contacted the club throughout that time all they would do was reach out to the technician who will lie to them and lied to me. I was told by the company to go buy a microwave and they will reimburse me. So I did the technician on the other hand was still under the impression that he was to fix the microwave. Not replace. Now mind Well this seem to go back-and-forth but I don't know how long. I know my tickets were open for the washer almost 3 months with no resolution. I contacted the club throughout that time all they would do was reach out to the technician who were lied to them and lied to me. I was told by the company to go buy a microwave and they will reimburse me. So I did the technician on the other hand was still on the the impression that he was to fix the microwave. Not replaced. Now mind youI still have not received my reimbursement after three weeks. After going back-and-forth with this club after three months regarding my washer all I can tell that was I wanted to cancel my membership. This person Manager whatever she was said she was going to escalate it after she told me to read my contract. Well the other manager called and left a message I didn't return the call because there was nothing to discuss regarding the washer I just want a cancellation. Well they finally reached me I told her I was not interested in discussing the washing machine I still have not received my reimbursement after three weeks. After going back-and-forth with this club after three months regarding my washer all I could tell that was I wanted to cancel my membership. This person Manager whatever she was said she was going to escalate it after she told me to read my contract. Well the other manager called and left a message I didn't return a call because there was nothing to discuss regarding the washer I just want a cancellation. Well they finally reached me I told her I was not interested in discussing the washing machine thatI just want to cancel. Well she tells me she was not aware of that so here we go to another manager. Now throughout this time they had already called me to tell me I old them the service fee for the washer and I'm like no I was told it was free since I already paid for the first technician. I told him I knew of a service fee for the microwave for that was a new ticket which I had paid. Well they had to research it and get back to me and the manager failed to do that. Well after me calling them check in status if I only adjusted that. I finally got a phone call from a nasty person providing me the cancellation address. Cancellation can only be in writing. this company is very poor. Mind you Complaintsboard.com recommended this company to me after I left another one. So I don't know how much I will trust Complaintsboard.com's recommendation in the future. I pray no one joins this club after reading all of these complaints. I do wish I had seen these complaints when I signed up. I'm going back to American home shield where I had been for over 10 years and just recently had issues.

On 8/23 we purchased a 3 year platinum home warranty plan with a several add ons for tankless water heater, septic and well. with a $125 out of pocket deductible. We had a long conversation with the sales representative over the phone who sold us on the fact that AFC Home Club was "different" they stood behind their product and as a homeowner we could have peace of mind that our warranty would cover any claim after *** the industry. He stated he would send out a hard copy of our contract overnight *** We went ahead and signed up, put the billing on autopay and went about or time thinking we had the backing of AFC Home Club. We never received our contract but assumed that as we were billed each month we were good to go. Today 3/22/22, 8 months after "thinking" we had the backing of what we were promised over the phone, had an issue with our HVAC system. They sent someone out to inspect the unit, who charged us more than $125 because we had to pay 6% for using a credit card (also not outlined by AFHC). Who told us it would be approx $7,000 for repairs or $16,000 for new installation. Of course, we're thinking, "oh my gosh - thank goodness we have our home warranty!" Well, wouldn't you know they sent a text to call them, after waiting on hold we were told our claim was denied because they don't cover rust or mismatched system. How the heck are we supposed to know either of those? We had our units serviced, this was never explained. When I spoke with the "manager" *** she states in the contract... WHAT CONTRACT? Her resolution was to send resend me the contract to my email address, which states we're out of luck. Now read the fine print? What's the point of a warranty if there is not standing behind it and telling your customers the opposite of your salespeople (*** said well they are salespeople, you know) ?AFC Home club should stand behind what their representative's promise Pay the cost to repair our HVAC.

I signed a contract with America's First Choice Home Club on 1/6/2022, and paid $1,202 in full for a 3-year warranty plan thru 1/6/2025.I had two claims that I filed with AFC. The first claim was filed on 2/10/2022, I did not have any issues and was happy with the resolution.The second claim was filed on 6/16/2022, and I am not happy with the resolution. Before they processed the claim, I informed them that I would want to cancel my membership due to how they were handling this particular claim. They informed me to retain my membership until AFTER they paid out the claim, otherwise the claim were immediately be terminated. I followed their recommendation and waited until AFTER I received reimbursement for the claim (8/9), and then submitted an email requesting cancellation and refund of the unused portion of my plan.Nearly two months had gone by since I submitted the claim and me being reimbursed. I held off cancellation at THEIR recommendation. I was then notified of how they would process the refund. As follows:Amount I paid: $1,202.00 Days active: 221 Cost per day: $110 Cost of days active: (221) x $1.110 = $242.37 Claims paid by AFC: $391.20 Cancel Fee: $75 Refund Due: $493.43 I do NOT agree that they should deduct the claims from my refund. If they do, then AFC have failed to provide ANY service or value for what I had paid them. I am fine with them prorating the term, I am fine with the cancellation fee, but I am NOT fine with charging me back what they paid in legitimate claims. They have affectively kept/charged me $708.57 for zero services rendered.They pointed out in the contract that I signed that this is how they process cancellations. I feel this is a predatory method on their part, particularly when they recommended that I do NOT cancel my plan until AFTER I receive payment of the claim. They did this as a means of increasing the amount they'd deduct from the refund. It is predatory how they are manipulating myself and other

I purchased a home warranty for appliances for $1,400.00 for 3 years. After 8 months I made my first attempt to use the service. Was charged $75.00. My dryer suddenly started making a horrible noise and smells like it is getting hot, a burning smell. The warranty service sent out a technician and he found a bobby pin that had slipped past the lint filter and hitting the fan. He said this was this issue and never checked anything else. The noise always starts at least 15-20 min after turning dryer on. He only ran it 2-3 min and said it was fixed. I did not use dryer until next day and the same thing, same noise. Technician came out again only let it run 10 min and said he cannot make it reproduce the problem, although I am telling him it takes 15-20 min. Warranty company says I have to pay again because they do not troubleshoot, nor do they pay if it is a different issue than the bobby pin, nor do they pay for intermittent problems. In my opinion how can a technician diagnose a problem without troubleshooting, and if he MISDIAGNOSED the first time, how can that fall back to me to pay again? And it is not an intermittent problem, the technician is simply not patient enough to wait the time frame I said it takes to make the noise. I am extremely upset with this lack of backing the warranty I am being charged for. This is a double standard, double charging fiasco. Now, I am being told that as long as the power comes on and the dryer gets hot, they do not consider making a noise to be a mechanical failure, even though it sounds like a jet engine falling apart. If I use it and cause further damage, they also will not pay for secondary problems caused from abuse/neglect from using a dryer that obviously has problems beyond the bobby pin which has been removed, and confirmed nothing else is hitting the fan. Personally I don't see how a bobby pin could have made this much noise either. Product_Or_Service: Home Warranty for Appliances Account_Number: CLR-XXXXXXXXX

Americas First Choice *** refused to pay for a replacement A/C for our home. We have been without an A/C for the last two weeks. Their management team does not call back, chooses to speak through their person who answers the phone, and spoke in condescending tones whenever I was able to reach them. We couldn't provide a model number or serial number for the outside unit due to the *** sun destroying the sticker on the unit. We were told they would pay approximately $5,000 toward the replacement of our unit. We simply had to provide the model and serial numbers for the outside unit. We had already provided the model and serial numbers for the furnace and coil. We were upfront with them that we had a *** A/C unit. We followed all directions from America's First Choice Home Club, to include biannual maintenance and were told by them that they would cover the price of a replacement if our A/C broke. It took approximately a week and a half for us to determine the model and serial number. They did not reach out to us. I had to contact them to discover their determination that they would only pay us $200 because the value of our A/C had reached $0 due to its age. They cited, their terms and conditions which state that "For HVAC systems 5 years or older, AFC will use a guide for a prorated amount based on age." They then stated that "because I was a loyal customer they would provide $200," in a manner that implied they were doing me a favor. I was promised a callback from a manager; however, they did not do that. Instead I had to call them back and stay on hold for approximately 45 minutes just to be told they will still only pay $200 on a $5 to $7K A/C. If they had been upfront and told me that my A/C would have zero replacement value I would have never purchased their plan. They do not have their guide posted anywhere on their site. This is a patently deceptive process. They knew they weren't going to pay for a replacement, yet left in *** summer heat.

Failure of company to provide service as advertised. Poor communication and general disregard to member I had a sudden and uncontrollable leaking pipe dripping into my lower level utility room from overhead that was dangerously close to electrical equipment. I called for service following procedures and also called the authorized vendor who had come out last time under this warranty "Flow Rite". Because it was urgent they( flow rite) were willing to come out the next day as they realized the safety issue involved. They were also backed up with calls. They would come out in normal business hours but would have to classify it as an emergency. They were going to charge me 280.00. I had no choice as I was told by AFC that it could be up to two days just to get a service call vendor identified (let alone to get them out here on a date). I told AFC i get it , but what reasonable person could wait under a urgent sit/rep. I even told AFC that i ( foolishly) would be willing to pay the diff between the reg rate and emergency rate. AFC's response was to deny the request, no payment , no anything. I was on my own When I did call in to AFC Home Club to follow up while waiting for service I had the pleasure of being thrown around and told " someone would call me back" I understand for 31/month it was too good to be true and should of lowered my expectations to begin with. I also know that I was paying 31/month for the opportunity of then paying a 125 service fee. In this case i was 100% responsible. I paid 327.00 for just over an hours work. I encountered failure after failure from within the company( on the phone calls) i even was insulted more when knowing I was terminating my membership from this company I was told I would have to write a letter to explain my sit/rep. What ineptness and lack of concern. My only future with this company will be my continual recommendations to my community, friends ( and who ever had the ear to know) is to " stay away from AFC Hone Club"

In October, we purchased a home in ***. We chose AFC because they had no complaints and Complaintsboard.com accreditation, so it seemed like a good choice. We paid a total of $650 for our home warranty to include a $75 service fee amount. In April, our washing machine stopped working. We call up our home warranty company at the end of April. So far, they have sent out 3 technicians, 1 no-showed, 1 left for a part and never came back, and 1 stated after randomly pressing buttons and having the washer perform functions, stated, "works fine," and left. My wife took time from work for one appointment and I took time off for two more. We explained this to AFC, who again apologized and stated that they would cover the service fee for this repair. Then they email me a list of technicians in *** that they work with so I can call to set up an appointment myself. None of these companies work with AFC and 3 don't work with ANY home warranty companies. We turn to Yelp and my wife calls a local place and we pay $120 service fee. They diagnose the problem, a bad electrical board not sending the proper voltage to the pump. The total cost to repair $560 but they will credit the $120 service fee to the repair. We send the repair estimate to AFC and they come back and state that the washing machine is 9-years old and they place a value of $157 on the machine, so they will pay a *** of $157 toward repair or replacement - as a reimbursement after we send proof that the machine was repaired or replaced. After four appointments (missing work each time) and almost a month of laundromat expense to wash clothes, $157. They couldn't have told us that BEFORE? Who determines depreciated value? I argue that I want the washer FIXED not replaced. Insurance pays depreciated value if totaled but pays full expense, minus deductible, for repair. I can't find any washer for $157! Contract states up to $3,000 is paid to repair or replace appliances and is ambiguous about depreciation. Feel lied to.

I took out a home warranty contract with AFC in June . Prior to that I had a contract with *** home protection warranty for 32 years but then they sold off that business so I switched to AFC. *** did routine maintenance on all my appliances including the *** every year at no charge. AFC requires a yearly check on the *** so in April I had a *** company out to do a routine maintenance. They discovered a freon leak and suggested replacement of the unit rather than a fix because of the freon issue. I started a claim. I emailed a copy of the tech report to R at AFC. She said that wasn't specific enough detail. I had the supervisor of the company make another visit and this time he was specific about the leak, pressure readings, and need for about 2 - 4 lbs. of freon. Then R. said that I needed written confirmation that the unit was in good condition prior at the last maintenance check back in May . I spent more than 5 hours and was connected to 18 different departments at *** to try to get written confirmation about that last maintenance check. They could provide the information over the phone but didn't have a way to send me a written confiramtion. I did a conference call with a supervisor at *** and R. at AFC. She confirmed to R. that yes a maintenance was done on April 24 and the unit was in good working order. She explained that the policy at *** does not allow them to provide any written documentation and since they do not charge the customer for maintenace checks nothing is given to the customer. R. said she documented the info and I asked her to speak with managment. R. said that the verbal confirmation was not adequate even though she had confiramtion from the supervisor over the phone.I feel like they are just giving one reason after another to not pay. I was requesting a "cash out" amount at their prorated rate but received nothing. I emailed *** the owner and sent a letter in the mail but have not received any response.

After a two week delay in determining resolution, claim was denied due to no proof that repair was not pre-existing. I purchased a Platinum level home warranty in August. On November 7 my heater stopped blowing hot air. I contacted AFC and they sent a technician to my home on November 9. I paid the $75 service fee. Technician replaced my thermostat, then determined that there was a leak in the unit and it was out of freon. He took pictures and submitted to AFC for approval. Technician advised since it was Friday, it might be the next day that I heard back. Over the weekend it got hot outside and I attempted to run the AC. AC was no longer working either. I called AFC and they wanted me to open a new service ticket, even though I called their subcontractor and was told it was the same issue. I have since placed multiple phone calls to AFC regarding status. I was told numerous times that they could not submit it for review because they needed to verify the model number of the unit. I finally crawled across the attic and got the number, yesterday on November 17. Within an hour I had a resolution and they were not covering anything due to having no evidence that it was in working order prior to my service request. I received a link from the customer support agent asking me to have the unit repaired and submit an invoice for review. I have emailed two different customer service agents and never received a response. When I call the number, there is usually a twenty minute hold and I have called at least 5 times in the last 10 days. I would like to know how do they know if anything in a home is in working order before a request comes in? I have a home inspection that I offered to send in. We lived all summer in the house. If the AC wasn't working, we would have lived all summer in Texas with no AC. I do not want to pay for a service that will be denied due to no proof that anything was in working order prior to a service request. Additionally, now 10 days later I am finally calling my own company to come in and fix the unit, and I am out the $75 fee to their technician.

I canceled my service with AFC and was told that I would get a refund. Only a partial refund was given to the credit card on file. I had service with AFC. Service was terminated and a refund was requested. In Apr of 2020, my credit card on file with AFC was updated. Termination was requested on 19 Jun 2020. A refund was given on Jul 17, 2020. The total of the refund was supposed to be $194.47. Instead of processing one refund in that amount. They went back and credited the payments that were previously made. Two of those payments were under the old Visa card number. That old number is affiliated with an old partnership that has dissolved and I no longer have any access to that account. After contacting AFC about the issue, I was told that the refund had to be processed that way per Visa. I went onto Visa's web page and showed them that wasn't the case. (Q. What can a merchant do if the cardholder does not have a receipt or other proof of purchase from the original sale, or the refund is requested on a gift the cardholder received from another person (rather than the cardholder who purchased the gift)? A. Refunds to a Visa account are permitted only when a Visa account was used to make the original purchase. If the purchase method cannot be validated, the merchant should not credit a Visa account, unless it is submitted as an 'original credit' transaction. After confirming that the original purchase transaction took place using a Visa account, a merchant may process the refund onto a different (alternate) Visa account. When a refund cannot be processed to the original Visa account or to an alternate Visa account., a merchant is permitted to offer an alternate form of credit (cash, check, in-store credit, prepaid card, etc.)" Visa policy. After showing AFC that, they still stated that is how Visa works and AFC told me to call Visa and get the money transferred over. I don't even have the old account number much less any access to the account. $83.00 is the balance due. If contacting Visa is so easy, why doesn't AFC contact them and get the money credited to the card number on file?

AFC deducted the service cost ($268.50) paid by them, from my reimbursement cost upon my membership cancellation. Penalizing the users to use service! The company advertises home warranty services but does not cover a vast array of services being that I am paying for the platinum service package. My cooktop exhaust fan stopped working. I immediately call AFC to address the issue and based on my service request, they didn't send a technician since they came to the conclusion that the exhaust fan is broken; which is not covered under my warranty. After explaining to them numerous times that the issue is something electrical since the fan was working perfectly, they still denied my request of sending a technician. I finally paid for a technician from my own pocket to come and diagnose the problem. After the technician diagnosed the issue to electrical problems; which was infact covered under my warranty, I had to call AFC and after a lengthy explanation, they finally agreed to look at the receipt. I submitted my receipt and AFC agreed to to cover about 50% of the cost ($268.50) citing depreciation and all that nonsense. I do not understand how I can have the platinum package, pay faithfully, just to find out that a vast majorities of issued are not covered. AFC is falsely advertising by offering a platinum that should cover all issues but appears to not cover essential issues such as problems with parts. I decided to call it quits so sent them a letter requesting them to cancel my membership. They did cancel my membership but only after deducting the amount that was paid towards my service request; $268.50. So all in all, it means as long as you don't use their service, you can cancel your membership without any penalty but if you have used their services and then decide to cancel, all the money they paid towards any kind of services will be deducted from the final reimbursement amount. When I was on call with their sales team initially for buying the coverage, they kept on saying the same thing again and again - you can cancel any time. this is not a contract but a policy and you can cancel anytime. ABSOLUTELY THE WORST INSURANCE COMPANY! DO NOT USE THIS COMPANY! YOU ARE WASTING YOUR MONEY FOR SERVICES THAT WILL NEVER BE RENDERED!I

AFC refused my claim to replace/repair my tankless water heater. Their reason was the unit was still under manufacturers warranty. Titan Model N-120 I filed my initial claim electronically and by phone on 8/5. I was told I could use my own technician and had a service tech come out to diagnose the problem on 8/6. His findings...The unit was failing sporadically due to an electrical malfunction and needed replacement. AFC was informed of these findings and a proposal to replace the unit was sent on 8/7. When I got no response by 8/10 I called and was told that they couldn't read the document (pdf) I sent. After investigating the status/reason they couldn't open the file the service rep then advised that my unit was under warranty and my claim was being denied. I then provided them the manufacturers warranty statement that clearly states that the unit is NOT under warranty for the problem I face. I've attached the manufacturer's warranty below. I then asked that the issue be escalated to a manager. The manager called today and told me again about the warranty. She (Karen) was unwilling to budge on that position even after seeing direct evidence to the contrary. She then went on to tell me that the according to their contract the tankless unit required an annual maintenance to ensure coverage. Annual maintenance? The unit has virtually no moving parts. There's nothing to maintain. It either works or it doesn't. It's like having someone do a maintenance call on your garbage disposal. It appears that AFC will go to any and all lengths to deny coverage. Here is the Titan manufacturers warranty. The Manufacturer will replace or repair, at its discretion, and free of charge during a period of one (1) year from the original purchase date, any TITAN INSTANT TANKLESS WATER HEATER which proves defective under normal installation, use and service. In addition, following termination of the initial one (1) year warranty period, and for as long as 10 years, the Manufacturer will replace or repair, at its discretion, any casing proven to be defective under normal installation, use and service. In both cases, the original TITAN INSTANT TANKLESS WATER HEATER must be accompanied by a copy of the purchaser's receipt, with transportation, shipping charges and when applicable, repair or replacement price prepaid to the authorized agent.

Purchased a 3 year Platinum plan 5/20, cost $1200.00 paid in full for a insurance policy to repair replace a appliance's listed in the contract. I filed a repair notice on appx. 1/18 for a repair or replacement on our washing machine that had started to make bad noise when in the spin cycle. Was advised by AFC that a service request was made # XXXXX to have a tech. come by to analyze the washing machine problem, A tech. arrived on 1/20 from Mr.TV and Appliance co. also known as All Tec Services and the contact tech. Known as Solomon to check the washing machine. I paid a $75 fee for this service in cash before the tech. would check the problem with the washer. He checked and told me it was not repairable as cost was more than replacement. He left. 1/22 email stated AFC was gathering info. on my service request will follow up. 1/27 email from AFC that they had reached a resolution on my service request and someone will contact me. 1/29 email said service request escalated to management and they will contact me. 1/29 email said service request escalated to management and will contact me. 2/11 email AFC said they reached a resolution on my service request and me to call X-XXX-XXX-XXXX spoke to a management person I assume as he told me they would not repair or replace my washing machine because there was a lawyer type clause that items not covered under the clothes washer pertaining to what they perceived to be the problem, the tech. who checked the machine on 1/21 said bearings/pulleys were completely beyond repair and cheaper to replace machine I assume this is what he relayed to AFC but upper management said my contract did not cover bearings/pulleys listed under non covered items listed as Drum, Seals, Gaskets, Spider Bracket, Overloading, Touch Panel/Displays and Tub. nothing at all mentioning bearings or pulleys, I argued with the person and he said to bad not covered and they would not honor the contract. I than asked to cancel contract and wanted my money back and as of today 2/10 have heard nothing from AFC nor any refund to my credit card. I believe this company is nothing more than a scamming operation and needs to be shut down. I also am filing a lawsuit against them under the Federal Consumer protection Agency and also a complaint with the WA state AG Consumer protection Agency.

AFC has falsely advertised coverage for our washing machine using general language in their contracts that allows them to exclude covered items. We had a failure on our washing machine which should be covered by our AFC platinum level warranty, which is the highest level of coverage they offer. My wife contacted AFC who agreed to send an inspector out. The inspector verified that the washing machine's gearbox had failed. The gearbox is the component that spins the drum and controls the agitator. The inspector told us that the repair was expensive and it would be cheaper to replace the washing machine. He submitted his report to AFC and we waited for their call. AFC did not call us so we called them. My wife received a text message that the claim was being reviewed. She called to investigate and was told the claim was denied as the item was not listed in the covered or uncovered items on the plan so it was not covered. When she questioned this she was told that a manager would review and call her back. Two days later she received a text message saying the claim was closed. When she called back to follow up she was told that AFC called her twice. When she challenged that as they had not left any message and there was no record of them calling she was treated rudely and told her they called her and she was wrong. This was clearly a lie and I can provide call logs to prove it. At this point she was told it would have to be escalated to another manager. Two more days and still no call I decided to call myself. I spoke To a representative who told me the claim has been denied. I asked several questions including the vague verbiage in the contract and what constitutes an agitator. She was unable to answer my question but assured me that a manager would call me back by the end of the day. I received no phone call or message so I called back the next morning. I was transferred to a voicemail and left another message. From my point of view the repairs were denied on a technicality due to the large expense. I feel my contract is not worth the value that is presented on AFC's website and through their sales representatives. Also considering the claim specialist who denied the claim could not articulate anything about the parts of a washing machine or provide clear definitions on the verbiage in the contract. This appears to be a classic bait and switch as the contract is designed to deny coverage at their discretion. I feel this is more apparent as we have been promised to be contacted multiple times and then had AFC representatives be completely dishonest and make false claims that they had attempted to contact us. At this point we have made five separate attempts to contact AFC to resolve the issue and have no evidence they have honored their promises to contact us back a single time. At this point we will have to purchase a new washing machine because we can no longer wait for their lack of resolution.

Dishonest sales and contract process - very misleading company. Looks for any loophole they can to deny service. Go with another company - scam alert. I purchased a home warranty from AFC Home Club after researching multiple home warranty companies when my appliances were starting to come out of warranty. I was given a sample agreement, told there were explicit exclusions, and that things not listed as excluded were covered. I was hesitant to sign up but the sales rep, Everett, was extremely reassuring that the coverage was very comprehensive and that most things were covered. I submitted for a repair request when I started having issues with m y refrigerator. They allowed me to use my own service, I paid the fee upfront for the tech to come look at the fridge, and it turns out the reason for the failure was a wire failure - an electrical failure in the fridge. The wire that was failing happened to be inside of a fridge door on a french door model. I called to submit the claim and was told I would be contacted about the decision. They declined it bc "Fridge doors arent listed as a covered item and if it isnt explicitly listed it isnt covered" Nowhere in the policy does it mention fridge doors not being covered. In the real agreement, there is a listing of covered items as well and not just exclusions, which is not what I was told on the call with Everett. A problem with this: -WHY EVEN LIST EXCLUSIONS if literally everything is excluded except what you list as covered? - There is literally only ONE reason for this - to mislead people and to use it as a sales tool that other items would be covered other than the excluded items. It doesn't save time, or paper, to add exclusions that don't matter if EVERYTHING is included except implicit covered items. This is very blatant and is clearly an attempt to mislead people. I called back and advised that that was unacceptable - that I was never told an item had to be expressly listed as covered, I was told if it wasnt listed as excluded I was covered. I was told it covered for almost everything except a few exclusions. I was blatantly lied to and the format of the agreement proves that the company encourages this sort of manipulation for sales. they said they would pull the call and get back with me. Jason called today 12/29 to advise that he listened to the call and I was never told "uncovered items are covered" - I asked to hear the whole call for context and to explain to him where he mislead and lied to me, Jason said no, they cant do that - only they can listen to the calls... LOL ISNT THAT CONVENIENT. This is super fishy and sketchy. And by the way I have a bridge to sell you if you believe this. I am ridiculously frustrated and have certainly been scammed. The icing on the cake - I ask to cancel and they refuse saying that sorry you have to mail a letter to cancel. WHAT? It's 2020. Click the button to cancel me. I'm in my 20's - I don't even HAVE envelopes or stamps here. I don't mail things. - THIS COMPANY WILL SAY ANYTHING TO GET YOU TO BUY THEIR CRAPPY WARRANTY - AND THEN THEY WILL DENY COVERAGE ON EVERYTHING.

We asked a repair of washer under AFC's Home Protection Plan. It was misdiagnosed and not repaired. AFC denied paying us the initially agreed amount. Our AFC Plan Membership# is CLRR-XXXXXXXXX. On 9/10, we initiated a service request (AFC Service Request# XXXXX) for our cloth washer (Maytag Model# MTW6700TQ0) because we had been experiencing water overfill recently. We also observed that the floating disc at the bottom of the tub was no longer agitating during the wash cycle as it should be. The repair technician Mr. Terence Gardner (of TAC Appliance Services, a local company contracted by AFC) went through diagnosis on the washer's control panel (he refused to use any actual wash cycle or to check on other parts as suggested by us) and deemed that the electronic control board was faulty and needed to be replaced. Based on that diagnosis, AFC offered to pay $448.55 either for the labor and parts for replacing the board or cash-out towards buying a new washer on 9/17. We asked for an option of paying us upfront so we could hire a local technician for a second opinion or independent repair (we both have engineering background and suspected misdiagnosis by the technician), AFC didn't agree, so we chose to let TAC continue with the repair (a similar new washer costs about $860). The TAC technician brought in a "new" control board on 9/28 and installed it on the washer but nothing was changed, so he said the "new" board was no good and he would order another one. On 10/8, he brought in another board. Before he started the work he said he forgot one diagnosis step during the first visit, which is the floating disc at the bottom of the tub. So we asked him to check that disc. He then found out that the disc is stuck with the tub, which most likely causes the water sensor located beneath it not functioning and failing to communicate with the control board to cut off the water. Thus we asked him to keep the original control board as is and confirmed with him that he could return the new board to the manufacturer for a full refund. He agreed and confirmed that he had no problem getting a full refund. We reported the situation on the same day to AFC and wanted to take the cash-out option which was initially offered. However, AFC rep said on 10/9 that he was informed by the technician that a new control board was installed, so AFC could not help us any more. We told the rep that the technician did not tell the truth and AFC should not pay TAC for this unsuccessful repair before further investigation. One day later, AFC service manager Ms. Karen M. told us that AFC had already paid ~50% of the allocated fund to TAC, and because of that, it could only pay us the remaining portion $227.47. When we asked for the invoice of the new board and its serial number as well as that for the original board for verification, she told us to contact TAC directly. But when we asked the TAC technician for the invoice and serial numbers, he told us that he was not allowed to communicate with us any more because of AFC's policy and the case being already closed. We highly suspect that the control board in our washer is still the original one and the technician mis-presented the fact.

After several visits, at my expense, by contractors and meeting all requirements, obtaining docs, AFHC would not honor contract and pay for repairs. I was sold a fake contract. I thought I did my research thoroughly, only to be fooled by several microsites, claiming to be independent consumer sites, that encouraged me to sign up for a fair priced home warranty that covered my entire household appliances, electrical, plumbing, HVAC system and more. When skeptical about the coverage, the rep emailed me a mock contract, as the real contract was hidden on their website, only much later to learn that the contract on the website is clearly marked as a sample, not a real contract. I singed up with a credit card and moved forward. I had no issues with any equipment until the middle of the summer, six months later. After days of my AC not working properly, they finally got a contractor out two weeks later. The first two canceled on me. The third came and at my expense, claimed nothing was wrong with the system and clearly ran no tests. When I didn't get anything in writing at the conclusion of the visit, I reached out to them a week later and told to deal with AFCHC. I then got another one of their contractors scheduled, he finally showed up a week later. He told me all that was going on with my system and that we were looking at about $4XX-XXX in work, but that the system was not working to it's full capabilities. He verified my warranty company at the end and appeared confused, told me he thought he was sent out by another. He told me that they won't pay for anything and then proceeded to try and sell me a split system, A week went by and got no writeup to submit to AFC, but two weeks later and two attempts to talk with him, he told me that he had sent in the paperwork. I called in and got attitude then hung up on. I called again and got told a manager would call back. Days later I called and somehow I spoke with a lady, whom would not give her full name and explained my claim was denied due to improper repairs done pryor. I was irate and thought I would demand they pay up. They gave me the runaround and she said she'd reconsider if I wanted to get a contractor outside of their network. I proceeded to reach out to a former and another, in immediate area, with real, legit Google reviews, not phony consumer reviews websites created to drive their negative real reviews down in Google Search Results. Two contractors later and $69/each visit, I was now out of pocket around $275 with no resolution to resolving the lack of cooling until the last expressed I needed Freon as my system had frozen. We complied and about $1,000 later, the ac was working immediately and that is after he and the former contractor assisted in taping up and patching my ducts to the unit. They both said my system would need to be replaced. After having provided paperwork to the new manager, quite condescending, he offered $180 to resolve the claim. Mind you despite the cleaver language in the new contract ( the real one I received after signing up) they were still responsible for paying for the freon and the prorated value of the system to replace the current, despite the slick talk during sign up. We declined and my fiance followed up to reach another manager to understand the hangups, lack of responses to email, calls and the jumping through fire hoops to meet their required steps. She was able to reach someone who claimed to be the manager of the other two and after lies, sent a revised offer to close the claim... $220. They clearly breached the contract based on residual value of the system. We informed them we'd find resolution and that we were not renewing. The last contractor explained our experience was typical and to Google it. All, while, in the middle of summer in Houston, our house was not cooling. We paid $550, $276 in contractor visits, $999 in freon charging fees and $120 in duct sealing supplies. Yet, according to the contract were owed $2000 for the depreciated value of our HVAC system. We're seeking a system replacement or settlement of $4,000 to separate and dismiss.