Bankers Warranty GroupDoes not honor warranty

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BWG warranty company is running a scam...and I am not the only one they are doing this to. See the report at the link above.

They will not honor the warranty I bought. Despite 3 phone calls to BWG and customer service representatives repeatedly telling me the claims department would return my call I have never had a chance to personally speak with anyone from their claims department.

About 2 weeks ago I was told by customer service that someone from claims would call me back to tell me an address to take my car to so the Sirius receiver could be looked at and they could do troubleshooting. This never happened. Instead...Friday someone from BWG called my house while I was at work and left a message with my 10 year old son stating they were "buying out" my warranty. I called back BWG and informed them that I didn't want the check, I wanted a diagnostic...as promised in my warranty. The customer service rep told me it was too late, the check is in the mail. He also said it was "determined" by the claims department that it cost too much to repair so they would only send me the cost of the unit back, minus installation, tax and the cost of the warranty. I asked how they determined this, as nobody has even looked at the thing. He said, I don't know, I can't help you. You don't live near a Car Toys. I was so mad I hung up.

Nobody has looked at my system. Nobody has done any trouble shooting. I paid almost $700 for this system to be installed 18 months ago...I DO NOT WANT their lousy $271 back. It will cost almost 3 times that to get a new one. The tuner will not turn on...it was intermittantly working for about a week before the poser was completley lost. I cannot get regular AM/FM radio to work right now, and that is not run through the Sirius tuner. It might be a loose wire, a fuse out somewhere, or something else just as simple...but how would anyone know if nobody has ever looked at it????

The warranty I bought states:

Peace of mind: If we can't fix it, we'll replace it. (That's an "IF" statement...nobody has looked at it, how can they determine it cannot be fixed??)

Savings: No out-of-pocket expenses for diagnostics, repair, removal, or reinstallation. (Apparently this is a flat out lie, as they have not given me any opportunity to exercise even one of these options.)

Convenience: Not near a Car Toys store? Don't worry, local service is available anywhere in North America. (I was SPECIFICALLY told they wouldn't help me because I don't live near a Car Toys!!)

Features: Covers diagnostics. removal, and reinstallation. Nationwide service centers. (Again, reiterating coverage they refuse to honor).

Responses

  • Ja
    Jack619 Jul 24, 2012
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    YES, BWG BLOWS.. Bought 2 years IN HOME REPAIR extended warranty for a desktop computer.. They tell me no-one in my area is available to fix it, needs a motherboard replaced and not even able to ship in state.. Been waiting almost 3 weeks for shipping supplies for the computer to be shipped to chicago.. Supervisor says he will research and see what can be done only to be not called back.. 3 days later i call and same run around about supplies delayed and cannot tell me when i will receive the supplies except maybe next week... Not sure how they sell an in home warranty if there's no contracts for anyone to repair... I will wait out this week for the supplies and i guess nothing comes of it, I will have to call place of purchase, COMPUSA and see how to get a REFUND...

    0 Votes
  • Bo
    Bob1234x Aug 21, 2011

    The problem with the "IF" Statement... "If they *can't" fix it they will replace". They are not telling you they can't fix it, they are telling you they won't fix it because it isn't economical. To be binding the If statement should be "If we can't or won't fix it..."

    All these comments have caused me to do 2 things. 1: I won't buy the warranty from BWG 2: I won't by the product from TigerDirect, because I can't buy an acceptable warranty.

    0 Votes
  • Bo
    Bob Wulff Feb 28, 2011
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    So I have a JennAire $6800 built in refrig. Unit is 3 years old. Have extended warranty from Bankers. The unit has a defrost tray that is is a heated foil wrapped styrofoam with a heated drain tube. A few months ago it all froze up and I called Bankers and they repaired. Great. Went out again this week and I called and they sent out repairman and he said same problem. He turns it into Bankers and they say not covered this time. We should not have repaired the first time. It is not an electrical part.

    1 Votes
  • --..-- Feb 24, 2011
    This comment was posted by
    a verified customer
    Verified customer

    2/23/2011

    Just an update...Bryan was not in touch after that last emailed promise to stay so...Never heard another word. My system was never looked at. The company is dishonest...and yes, I read the terms. I sent copies of their own contract to them and Bryan eventually admitted a diagnostic was in order. Lesson learned...dont do business with this company because their written word is as useless as their verbal promises.

    Go ahead all you holier than thous out there and call me a ### and someone that cant read...whatever. Buyers beware is all I have to say. Hopefully I'll at least save someone from a similar experience.

    1 Votes
  • --..-- Feb 24, 2011
    This comment was posted by
    a verified customer
    Verified customer

    175 days ago by --..-- +1 Votes

    Yep...great at following their contract. My claim was first submitted in JUNE!

    Here's the most recent correspondence...from over 2 weeks ago.

    I havent heard anything since...no emails and no return phone calls for the multiple messages left. My system still isn't working.

    From: Myers, Bryan
    Sent: Sunday, August 15, 2010 1:39 PM
    To: XXXX
    Subject: Re: Warranty


    The info should have been emailed to you last week. I will make sure it was and have it resent if needed.


    Bryan Myers
    Manager, Operations
    Bankers Warranty Group
    727.579.6215 Ofc/817.825.7106 Mbl


    Sent from my iPhone

    On Aug 15, 2010, at 12:58 PM, "XXXX" <> wrote:


    HI Bryan,
    I haven't heard from anyone. Have you been able to find a facility in my area?
    Thanks,
    XXXX


    From: Myers, Bryan
    Sent: Wednesday, August 04, 2010 9:51 AM
    To: XXXXX
    Subject: RE: Warranty

    I think we need to have someone evaluate the system, especially now that I know you have several components that are covered under warranty plans. I will have someone work out some arrangements with a facility in your area and contact you with the details.

    You and I will stay in touch until we have this resolved.

    0 Votes
  • Ka
    Kachina Feb 07, 2011

    BWG It has been 4 weeks. BWG has not honored my warranty to fix my washer. So I'm out my extended warranty fee plus cost to get it fixed. Never again will I use BWG. I suggest no one else does either.

    1 Votes
  • Jo
    jolu2124 Jan 18, 2011

    I'm having the same exact problem. The have given me many conflicting stories on why it's taking so long and seem to be avoiding the obvious. Which is that my TV can't be repaired. They tell the if the tech that comes out says it can't be repaired, they will replace it, but when the tech told the it couldn't be repaired, they ordered another part and told the to try and try again. It seems that they try to frustrate you until you give up and just buy a new product to not push the issue with them. Well, they pissed off the wrong Marine. I'm taking this to the local news media, including all of these blogs and i'm going to shed some light on this crooked company. Worst customer service ever.

    1 Votes
  • --..-- Jul 22, 2010
    This comment was posted by
    a verified customer
    Verified customer

    :yawn:...done yet?

    2 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    really...come on..."so there"???

    My 4 year old says that.

    2 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    again tell a fib..?

    Yes, you are correct, I commented (opined) on a personally relevant topic ...a complaint about BoA regarding unfair mortgage lending practices...something I can relate to, something I am personally dealing with myself and also something I just so happened to agree with. AND I offered a gesture of support to the original poster.

    If I did not agree and had some helpful information to offer, or perhaps a different experience relative to their topic than theirs or even an avenue of help for their situation, I would have just as gladly posted that.

    Posting is not all about trolling through topics to chase after others' comments you disagree with or about picking apart discussions and spreading general negativity so you have a chance to pass moral and financial judgment.

    Talk about immaturity...

    Byran-I will email you directly. This woman is making this thread ridiculous.

    1 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    well yes...it is my post..so I have a reason to talk about it. Have you any personal experience with BWG or are you just continuing this silly repetoire??

    I've said it nicely and in as many ways as I can...I guess I'll take it to your level...unless you have something constuctive to add or a similar personal experience to reference...kindly observe the flying bird I am sending your way, take your comments elsewhere...and have a nice day.

    2 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Bryan,
    I apologize for the digeression of this thread...hoping we can resolve this without further input from the flying peanut gallery.

    0 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Stealth Pilot,

    Don't you have a diabetic hard hat wearing husband to go unlearn 40 years of eating and 25 years of cooking new recipes for while you are taking a break from flying your planes or reminiscing about you good old retail greeter days? Or perhaps mommy and daughter can go gloat together over their perfect check book registers??? I mean...everyone makes mistakes and is unable to understand basic English and math...except you of course. Better yet...go read more of your vampire stories or plop on the couch and watch the televised versions and then later you can continue to explain to all us idiots on here why only you are enlightened enough to get the plot's undertones and why others' boundaries of visual offensiveness and morality are stupid.

    Seriously lady...nearly 1110 comments in 60 days...barely any of which are more than self righteous snipes and prissy/pissy remarks. Why are you even registered on this site? You have never reported a complaint about anything...well other than whining about others' postings.

    If you find all of our complaints so pathetic then quit trolling and move on...there are lots of social networking sites out there created just for people who do not have any friends or family to communicate with in person...THIS IS A CONSUMER COMPLAINT SITE...not your personal opinion of others' problems blog.

    1 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Stealth...I am not a HE (or, to use your eloquent phrase..."last time I checked I had tits" and I do not have a check in hand...it's "in the mail".

    1 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I understand you have the right to replace rather than repair an item and I understand economic disadvantages. I also understand that

    I also understand what I read in black and white, which is that "if the administrator elects to replace rather than repair your covered product AND A REPLACEMENT PRODUCT IS NOT AVAILABLE, the administrator will pay you a cash settlement."

    The issue I have with the actions taken by BWG is that you are glossing over the fact that BWG's claims process skipped straight past the replacement service and no out of pocket costs for removal, installation, etc. you advertise . Instead, BWG has decided to put the burden on me to go out and obtain a new unit and find a business that will remove the old one and put in a new one.

    Your warranty advertises itself as plan that offers not only monetary protection against product failure, but also supposedly covers replacement labor costs as well as providing a convenience factor.

    You have not addressed the core of my complaint...and the reason behind BWG's failure to provide their advertised services:

    1. Peace of mind: If we can't fix it, we'll replace it. (It is still widely available so again...I ask...why wasn't I referred to a contracted vendor for replacement??)

    2. Savings: No out-of-pocket expenses for diagnostics, repair, removal, or reinstallation. (Never mind the diagnostics...and I'll address the "no out of pocket expenses" shortly, you continue to refuse to provide the removal and reinstallation service)

    3. Convenience: Not near a Car Toys store? Don't worry, local service is available anywhere in North America. (Well...how about setting me up with one of the se locations, they are availble "anywhere in North America", right?).

    You stated that the total money you refunded would cover all but approximately $30.

    Here's a suggestions...How about I send the check back (once it is actually received) and instead you offer service in accordance with the terms of the contract and refer me to one of the many local nationwide businesses your warranty claims to be contracted with so they can remove the defective unit and obtain and reinstall a new one.

    At that point I would be more than happy to pay the $30 total for the excess charges over and above the "no out of pocket expenses" contract you so generously sell to your customers.

    1 Votes
  • Br
    Bryan Myers Jul 21, 2010
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    Verified customer

    I will try to answer all of your questions and they may be a bit out of order. Some products when designed and built by the manufacturer are not designed to be repaired or they just do not make replacement parts for them. This is determined by the model of the product and not by the type of failure so it does not require a technician to diagnose the failure. So to have a technician diagnose the failure would probably not be a good use of anyone's time. In regards to the limit of liability question; the limit of liability dictates the maximum amount the warranty will spend towards repairs or replacements based on the retail cost of the unit. So if the retail cost of your product is $279 that is the total amount that can be spent on all claims. So if we were to have a diagnostic done and it cost $60, we would then only have $219 left to spend towards additional repairs or replacements. Taking this into consideration our goal is to spend the money wisely to get the most value from the $279 as we can, for you.

    The above drives the majority of your other concerns as we know there is no reason to attempt to repair a unit that is not designed to be repaired and may not be cost-effective to repair as well, taking into consideration the max amount we have to spend. The amount we are sending you covers the cost of the replacement via the manufacturer, plus some as we maxed out the amount for you to put towards the installation. I understand the extra $30 or so may not cover the entire installation of the new unit, but we do not have any more than that to spend.

    I hope I have answered your questions. If not, please let me know and I will certainly attempt to. In regards to your second post about the article from DealerScope, I encourage you to read the two letters at the following url:

    http://www.bankerswarrantygroup.com/ValuedCustomer0610.pdf


    Bryan Myers

    -1 Votes
  • --..-- Jul 21, 2010
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    a verified customer
    Verified customer

    June 30, 2010 Dealerscope.com

    Several consumer electronics and appliance dealers said their frustrations in dealing with Bankers Warranty Group reached a boiling point this spring, forcing them to demand that the warranty company solve the problems before their businesses suffer further damage.

    "They're doing a lot of different things to a bunch of different [dealers], " said an executive of one of the CE industry's premiere buying groups, who requested anonymity because he continues to work with BWG to resolve dealer issues. "It's not good business practice. I'm very surprised."

    The dealer complaints range from an increase in the depreciation rate of TV warranties, the replacement of broken TVs with lesser models, OFFERS TO BUY OUT CONTRACTS TO AVOID PAYING FOR REPLCEMENTS OR REPAIRS, slow response to complaints, and changes in how service providers are paid for diagnostic services and how they procure replacement parts.

    "Customers bought [contracts] in good faith from me and I bought them in good faith from BWG, " said Phyllis Livingood, owner of Livingood's, an appliance retailer with stores in Savannah, Ga., and Okatie, S.C. "I just want to do business fairly. We have to honor these contracts and not aggravate the customer."

    Frank Trigo, executive vice president of marketing and business development at BWG, said the company has not implemented any widespread changes that negatively impact dealers. He would not comment on each individual complaint, but said the company works with dealers on a continual basis to rectify their problems.
    "Any provider can have problems with their programs, " he said. "It happens all of the time with dealers."

    After Dealerscope contacted BWG last month regarding the issues, some dealers said the company made a quick turnaround and helped them solve their problems. But getting to that stage currently takes longer than it has in the past. "It seems to me that they have been putting up roadblocks in certain areas, " said one dealer, who recently worked out several problems with BWG.

    Dealers say that problems with warranty companies are cyclical and, due to the nature of the business, arise often. They usually have to spend extra time working with their warranty company to solve the problems, which eventually leads to smooth sailing for a few months until the next set of problems arise. Several dealers, though, said their relationships with BWG became particularly rocky around May, jeopardizing what they characterized as a previously good business partnership.

    "Bankers is like any other underwriter; [the relationship] is always a work in progress, " said one dealer, who also requested anonymity due to the amount of business he conducts with BWG and his need for successful resolution to his problems. "We've gone through some turbulent times with them, and then we work the problems out."

    In response to a list of questions regarding the dealer complaints, Kevin Rupkey, BWG's president and CEO, wrote the following: "[BWG] designs its program's features, benefits and coverage according to each dealer's requirements and specifications. Each program varies from client to client based on the program that they agreed to implement and deliver on behalf of their consumers ... BWG has and will always continue to work in earnest with its dealers and consumers in reviewing and modifying any individual program issues that are brought to its attention."

    Bill Weber, director of retail operations at Famous Tate, an appliance and bedding retailer with eight locations in Tampa Bay, Fla., region, backed that statement, adding that the right relationships within BWG and extra diligence from the dealer are key in resolving conflicts.

    "When we have an issue, we have direct contacts over there, right up to Kevin Rupkey, and he's not opposed to getting involved. The resolve rate is 95 percent, " Weber said. "There are so many different brush fires that come up. Once we bring it up, they resolve these things."

    That review and resolution process, though, varies from dealer to dealer. One TV dealer in the Philadelphia said he had phoned BWG dozens of times and sent about 155 emails, along with two certified letters, to one of his representatives without receiving a response. "How do you walk away from a customer like me; I pay my bills, " said the dealer, who, through advice from his lawyer, requested anonymity because he is PLANNING TO FILE A CLASS-ACTION SUIT against the company. "They expect [the complaints] to go away."

    Dave Wexler, co-owner of the Little Guys Home Electronics in the Chicago area, is another dealer who recently resolved problems (mostly having to do with comparable replacement products and PAYMENT FOR DIAGNOSTIC SERVICES) with BWG after trying to work with the company for several months.

    "They have resolved about 98 percent of our issues, " Wexler said. "They have taken care of us and made us whole again."

    Some of the recent problems extend to service providers. Livingood said that three of her service providers about three months ago began refusing to service BWG contracts because of several issues, including refusal to pay for parts and labor if the cost exceeded the price of the contract or the current value of the product, a decrease in the margin they were allowed to make on replacement parts, and longer waits for a customer service representative to approve claims or answer questions.

    "It really hit the fan two weeks ago, " Livingood said early last month about a litany of problems, which she said included BWG's use of at least one service provider that she claimed did not receive certain manufacturer repair authorizations. "The customers are getting angry. They realize we're trying to do everything we can to help them, but it's frustrating. We've had to go to manufacturers to help us out, which we shouldn't have to do."

    To save the customer relationships, Livingood said she has also paid for several of the repairs herself. Several days after Dealerscope contacted BWG regarding the problems, Livingood called us to say the company helped to resolve her issues.

    Nel Saxon, of Saxon Appliance Repair, a Savannah-based service provider, is one of Livingood's service providers who, out of frustration, recently stopped working with BWG. But after seeing the problems Livingood's had with the current provider BWG assigned to her, she decided last month to renew her relationship with BWG on a trial basis. "There are a lot of angry people out there, " Saxon said. "When you buy a warranty, you expect the product to be covered if it breaks down."

    Long waits for BWG service desk continue, Saxon said, adding that she was on hold with the company for about 30 minutes a few weeks ago before she finally hung up.

    "It shouldn't be such a hassle, " she said, noting that she has not experienced such problems with other warranty and service contract providers. "I've never had that hassle."

    On the consumer electronics side, the TV dealer from the Philadelphia area said his problems with BWG began around May, when the value of his customers' warranty contracts on TVs began to depreciate up to 3 percent a month, which he said would render the contract worthless after four or five years. BWG also began to replace TVs with lesser models, he said.

    "This is not normal, " said the dealer, adding that he has sold more than $450, 000 worth of BWG contracts in the last six years said. "I've never seen anything like this."

    In mid-June the dealer received an e-mail from BWG offering to buy out his 6, 636 contracts for $136, 000, or the equivalent of $20.36 per contract.

    "THEY SHOULD JUST HONOR THE DAMN CONTRACTS, " he said.

    0 Votes
  • --..-- Jul 21, 2010
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    a verified customer
    Verified customer

    Thank you for the prompt reply and attempt to assist me, Bryan.

    I still have a few questions, however.

    How does the manufacturer know what is wrong with it and that it is not repairable? Nobody has even looked at it. All I have said is that the Sirius receiver will not power on. If this power loss issue is such a common and widespread problem that they can automatically determine from a layman's description of the issue that it is unrepairable without even looking at the system then they are selling and you are providing a warranty for an inherently faulty product. They should replace it under their manufacturer’s warranty or issue a recall.

    The retailer (store manager, Jason) from Rockwall Car Toys indicated it could possibly be the FM modulator or perhaps a loose wire or even a simple fuse, but that he could not assure this unless it was physically looked at. He confirmed yesterday that he does not know if it is repairable or not without someone looking at it and suggested I go to my local Best Buy and "bat my eyelashes sweetly" to see if they will look at it for free for poor ole little ole helpless female me. An inappropriately patronizing answer...but I understand he was trying to make due the best he could with the situation. From this I get the point that he believes repairing it is a very real possibility and, by the way, Best Buy told me today they charge $100 (yes, this would be out of pocket) just to look at it.

    Also, let's assume the repair option truly is out the door...Why would a replacement be automatically excluded as a viable option, with or without a diagnostic? I do not have to take it to the location where I bought it to obtain a replacement. Opinions aside, Rockwall Car Toys' participation in this situation is not relevant, as the warranty states that there is nationwide coverage when you do not live near a Car Toys. It does not say repair and/or replacement options are contingent upon the manufacturer and vendor's arbitrary, unconfirmed opinions and that I must be willing to take it back to where I bought it to receive repairs or a replacement item.

    RE: "The limit of liability is the retail amount you paid for your product, excluding taxes, shipping, and installation fees." and "We did not have diagnostics performed on your product as the cost associated would have been deducted from the amount we could send to you."

    I do not understand what you mean about the diagnostic not being performed because the cost would be deducted. What exactly does the statement "NO out-of-pocket expenses for diagnostics, repair, removal, or reinstallation" mean if it is not what it says it means??

    I stand by my original complaint: Your warranty fraudulently advertises services and benefits you do not provide!!

    Peace of mind: If we can't fix it, we'll replace it. (Nobody has looked at it, how can anyone determine it cannot be fixed and it is still widely available so why wasn't it replaced??)

    Savings: No out-of-pocket expenses for diagnostics, repair, removal, or reinstallation. (This is a flat out lie, as you continue to refuse to back up these claims)

    Convenience: Not near a Car Toys store? Don't worry, local service is available anywhere in North America. (Guess someone must have moved VA to Europe when I wasn't looking).

    The contract states: If the administrator elects to replace rather than repair your covered product AND A REPLACEMENT PRODUCT IS NOT AVAILABLE, the administrator will pay you a cash settlement. Well, the product IS still available and I would like a replacement...along with the "No out-of-pocket expenses for Diagnostics, repair, removal, or reinstallation "

    Not a cash settlement.

    If this is not doable, then I will follow up with the BBB, contact every website that takes complaints, submit a complaint to the Attorney General and, if necessary small claims court.

    Looking forward to resolving this amicably.

    1 Votes
  • Br
    Bryan Myers Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Shawnahosein,

    I reviewed your claim to ensure it was handled appropriately. Your product is not repairable per the manufacturer and the retailer where it was purchased excluding repairs as a viable option. In this case we are left with either issuing a replacement unit or a cash settlement (buy-out as you called it). The terms and conditions of your extended service plan have a section that discusses the 'limit of liability', or in other words, the maximum amount we can spend for repairs and replacements. The limit of liability is the retail amount you paid for your product, excluding taxes, shipping, and installation fees. The cash settlement we offered and processed is for the maximum amount we are allowed to pay on your service contract. We did not have diagnostics performed on your product as the cost associated would have been deducted from the amount we could send to you.

    I understand this may not be the answer you were expecting or looking for; however, we fufilled the obligation of the extended service contract at its maximum amount. Please feel free to contact me via phone or email if you have any other questions or comments.


    Bryan Myers

    -1 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Anyone with experience dealing with BWG or Car Toys' warranty...please feel free to comment or offer some advice.

    Thank you!

    0 Votes
  • --..-- Jul 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Uhh..no...it has not. Again, you have no experience with this subject in regards to my particular warranty or my dealings with this company. You have never read my specific warranty and have not spoken to the original vendor on my behalf or the customer service rep at BWG and are not even a certified tech who is capable of addressing the issue with the item in question. Additionally, you are not privy to the location of approved vendors or repair facilities in relation to my location, the replacement or repair costs for the item, the extent of the coverage or the details of my conversations or the warranty's exclusions and inclusions.

    As stated before, my warranty plainly and specifically states that it covers parts AND LABOR...I realize that may be a hard concept to grasp...yes, they have agreed to pay for the cost of the part...that is not the issue in dispute. I am asking them to cover the removal of the (assumed) broken part as well as the installation of the new item, as they state the cover in their contract.

    To put it in simple terms and perhaps in a context that you may have had past experience with...let's pretend your brand new car won't start. No worries…You paid for a 36, 000 mile parts and labor warranty 18 months ago that is good “nationwide”.

    You call the dealership and leave a message asking for an appointment to have your car looked at.

    1 week and 2 more phone messages later, nobody from the dealership has returned your call, no mechanic has looked at your car or even spoken to you about the problems you are having or asked for a description of the problem you are experiencing.

    You get a phone call another week later (3 weeks has now passed) telling you the warranty/claims department ASSUMES it is an engine problem and they are sending you a check to buy a new engine (fine print...minus tax, of course).

    AGAIN...NOBODY HAS EVEN LOOKED AT THE CAR to determine the source of the problem.

    Now...you are telling me your are completely happy with the choice to personally go buy an engine and either "A" pull out the old one and put in the new one yourself...or "B" go pay someone out of your pocket (despite the specific "no out of pocket diagnostic, removal and installation expenses" statement in their warranty) to take out the engine and put in the new one???!!

    Of course you are satisfied….Per your logic...this warranty issue is solved.

    Head bang away...maybe it will knock some sense into you.

    Meanwhile, I apologize if I am not welcoming of your assessment of the situation. As your thousand plus previous comments over the past 60 days attests...You are clearly on this board solely to pass judgment on everyone else’s situation in absence of legitimate complaints of your own to address and resolve.

    I kindly request that you please keep you ignorance my particular situation and your unwelcomed personal opinions based on little to no factual information to yourself.

    1 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    excuse me...17 posts per day...apologize for the extra credit.

    0 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I was simply sharing a few of your wonderfully insightful comments, with other readers of this post, Stealth Pilot...as you are not in any postion to resolve my warranty issue in any way, please take your future comments to another lucky posting. I've certainly taken enough of your time and I wouldn't want to interrupt your 170 posts per day average.

    1 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Stealth Pilot...1057 comments since you joined 2 months ago? Are you so bored that you have time to comb over this website and comment on every person's situation? How about you leave the situation to those personally concerned and keep your 2 cents (and rampant insults)to yourself? Or maybe get a job with the Attorney General or the BBB and make your opinions of everyone's complaint useful to someone.


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    If you do not live close to a retailer, then they determine the item the way they see fit. If you are getting your money back without having to return...

    The Haircutters - Disrespectful treatment
    Did you know that hair stylists are not employees? They pay rent on the area they use in the salons so in essence they are self employed? So why does it...

    Sonny Deangelis - Sonny Deangelis was super rude on the phone
    Last time I checked, I had a pair of tits. Therefore I am not male, so that means I am not your bill collector. I am a pilot. In case you do not understand...

    Wal-Mart - wal-mart hates blacks
    I am not in the least bit worried. If being an ### gets her through her life, so be it. As of now, she is invisible.

    Burger King - service from begining to end is awful
    I know exactly what you put in plain English. And my advice is the same. If you do not like it don't go back. Have a nice night.

    Burger King - Salmonella
    Have a nice night.

    Sally Beauty Supply - profiling
    And yet, if you were ignored and not helped of course it would be because you are black. How far has that crutch gotten you in your life? I got where I...

    Burger King - Salmonella
    I am not dogging you, and if you can't tell that, then you have issues far more serious than you realize.

    Albertsons Grocery - false advertising
    Then you better grow and raise your own food because all retailers who offer sales do it the same way. Otherwise, they would no tbe in business and you...

    Burger King - service from begining to end is awful
    As for doing well, I do just fine. Better than some, worse than others. I work for a living, I pay my bills on time, and when I make a mistake I do not...

    Burger King - service from begining to end is awful
    I am not against everyone who posts on here. I do however post my opinion just like you and everyone else does. Just because it doesn't jive with...

    Sonny Deangelis - Sonny Deangelis was super rude on the phone
    I am neither Sonny D or a bill collector. Stop trying to avoid the issue. Pay what you owe.

    Wal-Mart - wal-mart hates blacks
    Then why read them? Because you are the kind of person who craves attention, no matter whether it is positive or negative. People like you are so lonely...

    Albertsons Grocery - false advertising
    It isn't false advertising, you just can't read. The sale was for Baby Swiss, not the Alpine. Like the employee said, it was right there on the...

    AmeriCredit - Fraudsters and cheaters
    According to the law for bankruptcy, the lender has the right to not accept a reaffirmation on the debt, just as the creditor has the right to file to...

    1st Financial Bank - It is a dangerous card for anyone
    Every card is dangerous. You have to learn how to not get yourself in trouble. And I thought your 'college freshman' got the card. Not you?

    Burger King - service from begining to end is awful
    I get annoyed too when people ask questions and the answers are clearly posted right in front of their nose. If you hate it so much, stay away.

    Canada Post - undeliverable mail
    Undeliverable means the address is incorrect or the zip is wrong or doesn't exist or a typo was made somewhere. It goes in a dead letter box until...

    Dunkin Donuts - Never any decaf at store.
    Maybe McDonald's sells enough Decaf to justify them buying it and keeping it on hand. Maybe DD doesn't. How about you own your own business and...

    Dunkin Donuts - Have no clue what customer service means
    And if you take your lazy tail inside maybe they can understand what you want since you obviously have a hard time speaking clearly through the speaker...

    USPS - They lost my package, and don't care!
    I was an Ebay seller for almost 15 years, and many times a package was 'lost', it was due to the manager accepting packages too large or bulky...

    Wal-Mart - wal-mart hates blacks
    And you are a sad, pitiful ### who seeks attention.

    Mrs. Angelina Keith - Beware!
    Funny how Mrs Angelina Keith posted under the name Catherine Holmes. The death of her husband seems to have caused an identity crisis.

    TD Bank - OVERDRAFT FEES
    The online banking notice that pops up when you first sign up, and the one in the 'help' section of the account, clearly spells out how the online...

    USPS - They lost my package, and don't care!
    Thanks Brenda. I did not know this.

    Neuro, I was only trying to help. I basically gave you good info from my experience of working as a...

    Red Roof - Housekeeper stole my laptop
    It isn't really the hotel's fault they had a dishonest employee. The police should have arrested her, and you should have prosecuted.

    Wal-Mart - wal-mart hates blacks
    What is the mouse reference you people keep throwing at me? I have told your little teen age friends I do not like mice. In fact, I usually just feed them...

    TD Bank - Overdraft Fees
    I do understand account changes. I have been through a few changes when my bank was taken over 3 times. Each time I read the notices that came with my...

    USPS - They lost my package, and don't care!
    You keep stating a locked mailbox. The only places I know of that has those are apartment complexes or the like...have you asked the manager if they accepted...

    US-1 Van Lines - Beware ...stole my belongings
    Explain why you think some movers would possibly want your diabetes medication? I also believe they tell you in the contract not to pack any valuables...

    CitiFinancial - Bad business practices!
    Adolph, your contract will have monthly interest, and annual percentage rate...with 24% interest, your APR should be about 288%...is it?

    TD Bank - Overdraft Fees
    Mike, better bury it in the yard then. ALL banks charge a fee to stop payment on a check. How long has the check been in the wind?

    Wal-Mart - wal-mart hates blacks
    Let me also say that if Walmart hates blacks because a white person acted stupid, then black people must hate whites since a black person murdered my former...

    CitiFinancial - Bad business practices!
    What is your APR rate Adolph? You also can not add any insurances or taxes in your rate as they are not included in calculation. Interest is.

    TD Bank - Overdraft Fees
    My credit card never amassed me an overdraft fee, [censored]. If my account was overdrawn by a dollar, yes I would pay what I owed since that is what I agreed...

    Broward County Divorce Lawyer - HOWARD FRIEDMAN, P.A.
    Your complaint should be against your ex, since HE is the one the slug lawyer was hired by, probably because he wanted you to suffer. In the US, each party...

    USPS - They lost my package, and don't care!
    It is quite possible the package was stolen from your mailbox or porch. Both of which are not the post office's responsibility. If it has been lost...

    Courtyard Marriott, Aventura, Florida - Ants in Hotel Bed
    It is Florida. They have sand fleas too on the beach. If you leave food or opened drinks or anything edible laying around you would be bombarded. There...

    Wal-Mart - wal-mart hates blacks
    You are wrong. It was a customer who made that page, not an employee. Walk around some Walmarts and you will notice that many of the phones that used to...

    Mary B Rumsey - discount was taken away
    Discounts can be taken away as courteously as they are given. You were given a break for two years. How about saying thank you.


    Straight Talk - PHONE WILL NOT ACCTIVATE
    WHY can't you activate it? They must have given you a reason. It has been activated before. It was reported stolen. Etc...

    Verizon Wireless - Terrible Service
    Just like every cell carrier, you will experience dead zones in specific areas.

    Subway - false store hours
    While it sucks, it is a private business and the owner can keep whatever hours they want.

    1 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Nobody has looked at it...that is EXACTLY my point...I was sold a supposedly "Nationwide" warranty, with "local service available ANYWHERE in North America". VA is most definately North America. They never provided the name of a service provider, and I live near DC, I am quite sure there is a "retailer close by"..with "close by" being an entirely subjective determination, by the way.

    This "buyout" practice by BWG to avoid fulfilling their obligations is discussed in the below article from about 2 1/2 weeks ago...

    http://www.dealerscope.com/article/consumer-electronics-appliance-dealers-have-spoken-their-frustrations-dealing-bankers-warranty-group/1

    if the link doesn't work try googling " dealer scope, Dealer Frustration With Bankers Warranty Boils Over"

    1 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    The contract states: If the administrator elects to replace rather than repair your covered product AND A REPLACEMENT PRODUCT IS NOT AVAILABLE, the administrator will pay you a cash settlement.

    The contract also states: No out-of-pocket expenses for diagnostics, repair, removal, or reinstallation.

    I.E. cash settlement is a last resort option, choice "C", if you will.

    Your company arbitrarily passed right over choice "A" by not providing a "nationwide" location where I could obtain a diagnostic asessment or troubleshooting session, and choice "B" by not attempting to replace it, with no "out of pocket expenses".

    Your company went straight for a cash settlement without attempting in good faith to honor the terms of your advertised warranty. Your cash settlement relieves you of future claims and places me in a situation where I am responsible for locating and purchasing the replacement item. It also obligates me to cover exactly what your warranty falsely claims to cover...removal and installation costs for this COVERED and readily available item...and this is all still assuming the item is not repairable!

    This item is still readily available for purchase and thus this item is also available for replacement. In absence of a diagnostic or trouble shooting attempt, and in light of the ready availability of the item at a cost much lower than I paid 18 months ago, there was absolutely no reason for a cash settlement.

    Please provide the location I should take my vehicle for replacement and installation of a new device.

    Should you need a vendor reference, here is a link to several businesses that carry the identical item:

    http://www.google.com/imgres?imgurl=http://salestores.com/stores/images/images_747/SCV1.jpg&imgrefurl=http://salestores.com/direct25.html&usg=__7htaqN76LmaxzvqWoEOX75b4nlc=&h=450&w=422&sz=25&hl=en&start=1&um=1&itbs=1&tbnid=2TltH2bGWtyJPM:&tbnh=127&tbnw=119&prev=/images%3Fq%3Ddirected%2Belectronics%2Bsirius%26um%3D1%26hl%3Den%26sa%3DN%26rlz%3D1R2DKUS_enUS381%26tbs%3Disch:1


    Directed Electronics SCV1 Sirius Backseat Video Tuner, Children’s TV and SIRIUS Radio in one system, Multi-Zone Operation, Compatible with most aftermarket and factory-installed video monitors, Diversity satellite antenna system for maximum signal reception, Dash mounted control unit can operate both SIRIUS Radio and Video functions (SC-V1 SC V1)

    SKU: SCV1

    Brand: Directed Electronics

    1 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Contract # U641035

    0 Votes
  • Br
    Bryan Myers Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Shawnahosein,

    My name is Bryan Myers and I manage the Claims & Service departments at Bankers Warranty Group. I would like to review your situation to correct any wrongs. Below is my contact information if you would not mind either calling or emailing me with any of your warranty information so I may locate your file.

    Thank you in advance for your time and for the opportunity to review the situation.


    Bryan Myers
    Manager, Claims & Service
    Bankers Warranty Group
    727.579.6215
    [email protected]

    0 Votes
  • --..-- Jul 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    oops...should say..."before the POWER was completely lost"

    0 Votes

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