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Bosch Refrigerator
Purchased a Bosch Refrigerator through Famous Tate and Extended Warranty through Bankers Warranty Group. I have had numerous issues with the refrigerator freezing food in the refrigerator portion. Several companies have been out and have not been able to repair the item. I have had parts on order for over 300 days, finally telling me the parts are no longer available. I constantly get lied to from the customer service center about appointments and am very frustrated. I have a lemon law policy which allows me a new replacement or to purchase this one from me, but I cannot ever get anyone to reply to my requests. I think they are stringing me along until my policy expires in 1 year. I will never purchase anything anywhere that sells warranties through Bankers Warranty of Florida. I have been to Famous Tate also, and they tell me there is nothing they can do for me. So, the next refrigerator (or any appliance for that matter) will not come from Famous Tate either.
Desired outcome: Repair or replacement of the refrigerator
Account canceled because credit card expiration date not fixed after three months of waiting
Centricity is Bankers Warranty Group, Inc.
11101 Roosevelt Blvd. N. St. Petersburg, FL
[protected]
Hi,
I am at my wit’s end ; totally beside myself.
THREE months is over long enough to wait for an answer.
All was good for four years, until 8/22/22.
THE GOOD! I have always received a brand-new product when a product failed. Sometimes the process was arduous but it always got done with a new product shipped to me.
[protected] Agreement number: Z454616 Connect Protect
_
Centricity has always charged me each and every month for 4 years, without fail, starting monthly on 7/13/18
My credit card sends me this message each month, that always reads similar to this: “As requested, we’re notifying you that on June 23, 2022, at CENTRICITY, a pending authorization or purchase in the amount of $21.39 was placed or charged on your Quicksilver Credit Card.”
At 3:21 on 8/22, 2 days B4 my monthly renewal - I wanted to make a claim for something else and the customer service Rep, Dave, said that my contract was canceled last month. I told him that they had been taking the money from my account for four years, since Dec 23, 1998 and there is no problem with my card - having a zero balance.
WHAT? No call? No email?
This was before my next renewal date and I simply wanted to make that payment.
Apparently, there is no portal to change the expiration date; probably because they are not set up for monthly, normally.
I am one of the few that has a monthly program. The reps never know anything about it and I have to explain it every time. That alone takes about 20 minutes on each and every call.
CENTRICITY is charging me, not a third party, therefore they have to have some control over this!
When I was given a URL, but it did not work or have an active site on it.
It seems to me like they want iConnect monthly customers (formerly a Sears program) to go away!
Dave Humphry told me to call the company that I bought the warranty from but since it was from Sears (Emily confirmed On 8/13 that it was Sears and also saw Ian’s correspondence from 1998), through Iconnect, but that was not possible. They` sold all accounts to Centricity/Bankers Warranty Group, Inc.
I now have to wait for a supervisor to call me back AGAIN to get this straightened out. Fourth attempt. That was many weeks ago. Now it has been two MORE weeks since my last contact.
I repeatedly called Dave Humphry’s extension and there no answer and no voicemail.
I spoke with Dave on 9/9/22
Spoke with Trinity on 10/5/22 at 4 PM. She Trying to reach Dave - sent a message that I want to speak with him. NO CALL.
Dave Humphry promised me that he would stay on top of this until he got an answer! He was going on vacation for 2 weeks but would definitely take care of this for me… Yet another promise was broken.
I KNOW that you are better than this and only need the right person to know what to do. I have not found them yet!
This SHOULD be simple as with every other company out there!
I just want to pay my bill, as usual
Ben
Desired outcome: A good URL to change my credit card expiration date and reinstatement of my contract.
Mailed a CERTIFIED LETTER today.
MAYBE that will get a response but I don't understand why they don't respond here.
They obviously monitor it because others get their problems resolved!
I even MAILED a real letter (through the post office) with NO RESPONSE!
No reply yet?
Figures, because call for THREEE MONTHS never got any correct answer.
Mobile phone protection plan
I called to file a claim for my mobile phone near the end of 2020. My camera wasn't working properly. They were nice and fairly quick. I sent my phone and used an old phone while I waited for the replacement. I received my replacement a d it wasn't the same phone. On top of that, the micro SD slot would not read my SD card all the time. It would mount and unmount itself randomly until it stopped working all together. The camera has always been blurry and it will occasionally shut itself off. It sometimes won't have any sound when someone calls so I miss a lot of calls. The receiver volume will randomly go in and out. All this is from day one. I've tried contacting someone since with no success. I should have kept my old phone. Payed all that "one payment" insurance and a deductible for nothing. Makes sense why AAFES switched insurance providers. Straight garbage.
Desired outcome: A working phone that is the same model as the one I insured and sent.
Is Bankers Warranty Group legit?
Bankers Warranty Group earns 100% level of Trustworthiness
Perfect Trust Endorsement: Bankers Warranty Group achives 100% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.
We found clear and detailed contact information for Bankers Warranty Group. The company provides a physical address, phone number, and email, as well as 2 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.
Bankerswarrantygroup.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.
Bankerswarrantygroup.com regularly updates its policies to reflect changes in laws, regulations. These policies are easy to find and understand, and they are written in plain language that is accessible to all customers. This helps customers understand what they are agreeing to and what to expect from Bankers Warranty Group.
However ComplaintsBoard has detected that:
- Bankerswarrantygroup.com to appear inactive or unused, such as technical issues or a temporary shutdown. In any case, if you are having trouble getting a response from the company or recovering your money, it may be wise to take further steps to protect yourself, such as seeking a chargeback from your bank or contacting a relevant consumer protection agency.
- Bankers Warranty Group protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
- The website belonging to Bankers Warranty Group has a low number of visitors, which could be a red flag for users. However, it's important to conduct additional research to fully evaluate the website's legitimacy and trustworthiness.
warranty on iphone x
On Monday, May 14th, 2018, I reported an insurance claim on my iPhone X at the Verizon store on base at Eglin. It fell on concrete and the entire back is shattered. Mind you, when I first set up my new Verizon account, I pain (in a full amount) for insurance through this company (Centricity AKA Bankers Warranty Group) because they offered a good military discount. Had I known at the time that I wouldn't be able to use my insurance I would have stayed away from this company. That day the customer service associate from this insurance company informed me that I would receive my new phone in the mail within 2-3 business days, but first i had to pay the 150$ dedictable and they would place a 1, 000$ (and some change) on hold with my bank account until I sent back my cracked iPhone X. He assured me I would receive it within those days because I explained to him that I was moving across the country the following Monday for a military move. Here it is Saturday, May 19th, and still no phone. I spent the entire day yesterday (THE ENTIRE DAY) on the phone with this company. I got the run-around all day. I was promised a call back, never received it. These "customer service reps" would go ask their supervisor what to do about the situation but every time I asked to speak with a supervisor there wasn't one there? Ultimately, after about 4 different customer service reps (throughout a 12 hour time span, each a 30 minute phone call and each one telling me "no supervisor is in at this time), I was informed that they did not have a tracking number and could not tell me where this 1, 000$ phone was, and that they could not reimburse me the 1, 000$ And 150$ to my bank account. I am highly frustrated and disappointed in this company. I do NOT recommend anyone to use them for insurance.
No replacement mobile phone
MILITARY PERSONNEL BE AWARE! I purchased a mobile phone at the Ft Rucker Post Exchange. The clerk offered a Wireless Protection Plan for my mobile phone at $199.00 which I purchased. After a month, my phone was damaged and I reported this to the Bankers Warranty Group. There brochure and customer service rep states a replacement provided within 48 hrs. It has been 8 days and no phone has been furnished. Also, the customer rep stated that I had to pay a $125.00 deductible charge which was not mentioned by the sales clerk. The customer service rep also stated I would get a phone but not the new Razr phone. I have contacted to Post Exchange Headquarters requesting they stop doing business with this company. I am also going to contact a lawyer!
Terrible Customer Service
My name is D'Angalo and I bought a cell phone from verizon wireless. Instead of buying the insurance that verizon offered, the people there told me about this third party warranty company called BWG. I bought the warrant because I didn't want to go throught the hassle of paying monthly insurance. What a mistake that was. I paid $200.00 for the warranty and four months later, my phones' charger port was frayed, making it unservicable. I called the phone in on Jan 21st and I sent it in days later and they said i hav to pay another $125. I thought that my warranty was paid for already. Their records indicate they recieved the phone on the 26th. I had to wait a week and still there was no phone. I called them on friday the 3rd and they told me "oh they forgot about sending it through" in a nutshell. I called again that monday and they said that it should get sent in as soon as it gets authorized, the same day. Its wednesday and I called again and they said the same thing and I might not get the same phone that I sent in. I'm tired of getting ran around on my dime. This is the most terrible customer service I have ever seen. This is a learning experience, never will I do business with them again.
The complaint has been investigated and resolved to the customer’s satisfaction.
This situation also happened to me. I suggest we contact a lawyer a file a class action against this company.
Warranty Service
Our company bought a computer for $599.96 and paid $149.98 for a 2 year extended warranty through Bankers Warranty Group (BWG). The power supply and the mother board failed within the warranty period. I sent the PC in for repair on 6/24/11. After weeks of calling and checking on status of the repairs, finally on 9/15/11 BWG called me and said they could not find a replacement mother board and were going to do a buy out and send me a check for $476.44.
It took BWG 2 months and 3 weeks to figure out they wanted to do a buy out?
And how do they figure the buy out dollar amount to send me? My total PC & warranty costs total $754.93 and they do a buy out for $476.44? That is a $278.49 loss for a PC under warranty?
I will be avoiding warranties covered by BWG from now on.
The complaint has been investigated and resolved to the customer’s satisfaction.
Hello - my name is Dawn Morris and I am the Operations Manager at Bankers Warranty Group. I would appreciate the opportunity to discuss this with you further. Please email me at dmorris@bankerswarrantygroup.com - I look forward to hearing from you. Regards, Dawn
Service Center is Terrible
Purchased an extended warranty from Famous Tate and Bankers Warranty Group was the servicing agent. After 4 years and everything breaking on my machine GE said machine was unrepairable and needed to be replaced. Service center for Bankers Warranty was unbelievably inefficient and rude. Process was taking so long (6 days from when tech declared it unrepairable) GE called me ready to offer me a replacement machine - we called Bankers and a very rude CARI Service Supervisor ID# K5M told me I just had to wait for their process. That my complaint had been escalated twice and with each escalation to a new level they had 48 hours to address. I explained I had the GE case manager on the phone and she very rudely told me she didn't care who I had on the phone that they did not deal with GE directly. After approximately 6 phone calls in one day they finally called GE for authorization and I was told I now had to call GE and make the arrangements. By the time I got the notification, the case manager had left for the day - another day without a washer. My complaint is not about their lacking to honor the agreement, it's about a sloppy inefficient rude service center.
MILITARY MEMBERS BE ALERTED! I purchased a mobile phone at the Ft Rucker AL Post Exchange. The sales clerk offered insurance from the Bankers Warranty Group for $199.00. I purchased the insurance and then my phone was damaged. Their policy states a replacement within 48 hours. After 8 days still no phone, only excuses. Also, I was told I had to pay a $125.00 deductible which was not explained by the PX sales clerk. After reviewing the complains about this company online, the Post Exchange should stop doing business with this company!
Appears to me that you are trying to hold the warranty company reposible for something that is out of their control. The warranty company is not the boss of the service center they are jsut the administrator. I truly invite you to attempt to get those things doen yourself and see how easy it is to do the job of the warranty company. I dare you.
DO NOT FIX ,NOR ACKNOLEDGE CUSTOMERS NUMEROUS COMPLAINTS
WE'VE BOUGHT A GE REFRIGERATOR FROM Famous tate back in august 2008 in Palm Harbor, fl which we have no complaits with.as for the extended warranty that we purchased by Bankers Warranty Group is the biggest waste of time AND money that we spent.Bankers Warranty Group is who we will never recommend to anyone EVER nor purchase ever again.We've called numerous times to have our GE JUNK bottom freezer refrigerator MD# pdsf5nbxaww repaired in which they would send out the biggest most sarcastic ### (GE service tech that pretty much refuse to fix there junk GE product) that we ever had come to our house.they replaced the ice maker twice, main board, and adjusted some gasket or adjusted something so they said.We will never buy OR recommend >Bankers Warranty Group & GE service techs to ANYBODY or ANYONE EVER. They are both the biggest ripoff companies ever created
what opions are you willing to offer, because we are serioslly wanting to get rid of this refrigerator, we've had with it & gonna get rid one way or another.never again will buy another ge product, or nor recommend ge products, , , total junk!...
The complaint has been investigated and resolved to the customer’s satisfaction.
dakota67 -
My name is Dawn Morris and I am the Manager of Operations at Bankers Warranty Group. I would appreciate the opportunity to discuss your recent service experience and work with you to bring about a satisfactory resolution. Please contact me at dmorris@bankerswarrantygroup.com. I look forward to speaking with you. Thank you.
company is a sham!!!!!!!
We bought barcode scanners with Bankers Warranty extended warranty agreement. Called to report one of them is not working. Got the royal runaround for days by phone, email. They did everything possible to wear me down and not stand by their agreement. Finally I gave up. Luckily the cost of the warranty was minuscule and we were changing to different scanner because of unrelated reasons, so I feel lucky compared to the hundreds of people that are really SOL. One last thing that is important. Bankers Warranty offers their fake warranties under a few different company names, so be careful. One of their names is "Square Trade Warranties" . I bought a Nikon D60 camera from Ebay and took the extended warranty through "Square Trade". If I would have know it was a Banker's Warranty company, I would have never bought it. BE CAREFUL! Hopefully Nikon's quality is such that I won't have to find out.
The complaint has been investigated and resolved to the customer’s satisfaction.
7 days to approve a repair to be done!!!
I purchased an extended warranty issued by Banker's Warranty Group on an LG refrigerator. It has been 7 days since the repairman was at the house. The diagnosis was sent to Banker's Warranty Group for their approval, as per Banker's process, the very next day. 7 days later Bankers approved the purchase of the part. By the time the part comes in and is installed I will have waited 3 weeks to have 14 month old refrigerator repaired. The problem with the refrigerator was a blown fuse that probably cost less than $1.00 that is soldered on a board that will probably cost a whole lot more than a fuse.
Before I purchase another extended warranty I will see who the policy is through. If the policy is through Banker's Warranty I will NOT make that purchase.
The complaint has been investigated and resolved to the customer’s satisfaction.
they do not cover anything
I bought a new maytag stove in 2008 and got the extended 5+5 warranty. I turned a burner on and places a pot on the burner and the glass top cracked. I took the pot off and leaned a little on the top and it caved in. I called the place where i had bought the stove and they told me to call the warranty company whom they no longer use because they flat out said they have had nothing but problems with getting ANYTHING through them fixed. The tech who looked at my stove called Bankers Warranty Group and told them the burned shorted out and caused the original crack. I was told by Bankers Warranty Group tough if you had not have touched it, it would be covered. I told them I heard the tech tell you the damage was done by a bad burner and they again told me too bad its not covered. I then said well it was going to have to be replaced whether i touched it or not and the tech told you it was a BAD BURNER that cause the top to crack. I was told we don't believe that you had something drop on it. So i am done with maytag, Bankers Warranty Group, and the place i bought it from. I will just go to a big box store and get a cheap one that will last 5 years and replace it every 5 years if needed and no more expensive garbage from appliance stores and no more "Extended Warrants"
sounds like them, alright! Sorry to hear they are continuing their scams.
Refusing to honor extended warranty
Know what you are buying when you choose an extended warranty. Here is my recent experience with Bankers Warranty. I am posting the letter I sent to Dealers Assurance who are listed on the terms and conditions of the contract with Bankers Warranty as the 'go to' people at time of dispute with Banker's Warranty. Mr X has been substituted for the real name of the the gentleman who communicated with Bankers Warranty on my behalf. The 2 local repair companies have been changed also to ABC Repair and DEF Electronics. My name shows as (ME). Other than these changes, the following letter is complete and exactly as prepared to Mr. X.
The second letter is from Mr. X containing the miserable response from Bankers Warranty.
One more thing, Circuit City and many other retailers use Bankers Warranty for their extended warranty coverage. ASK who the warranty company is BEFORE you pay for the contract...PLEASE BEAR IN MIND THAT THIS WARRANTY COST ME $499...
HERE IS MY LETTER...
Dear Mr. X,
As per our conversation this morning, please find enclosed the letter I wrote to you yesterday outlining everything relating to this issue:
On October 5th 2007, I searched online to purchase an extended warranty service contract for my Sony TV which was still under manufacturer's warranty at the time till 12/5/2007. The TV was purchased new 12/5/2006 for $2599.99 from Circuit City. I found a website called AVDeals/Plasma.com and purchased a 5 year warranty from them for my specific TV type, size and original purchase price for $499.99. This was less expensive than extending the manufacturers warranty with Circuit City. AVDeals /Plasma .com sent me a receipt of purchase.
A few days later, I received in the mail an envelope addressed from Banker's Warranty. Inside I found a contract headed Netbored.com and an almost identical contract headed VAC Service Corp. I figured that Banker's Warranty was in fact the warranty company and all these other companies were getting a small piece of the pie by brokering for them somehow. Either way it mattered not as I had my contract safe in case of breakdown in the future.
A week later I received an email from AV Deals/Plasma.com confirming shipment and providing a customer service number for claims. I put all these papers together safely and had no reason to use them till 1/3/11.
I recently noticed my TV picture had been deteriorating for some weeks and I felt it reasonable and necessary to make a claim on the warranty which doesn't expire till Dec 2011. On 1/3/11, I called the claims number and the gentleman I spoke with said he was from Banker's Warranty and took my information, put me on hold and returned to tell me to expect a technician from ABC Repairs Inc to come to my home to repair my TV between 8am and 12pm the next thursday - 1/6/11, and that I would be receiving a call from ABC Repairs to confirm. A short time later that same afternoon, I received a call from different company called DEF Electronics telling me they wanted to pick up my TV to take away and repair in their workshop. I explained that 1) I paid for on-site service and 2) I already had an appointment with ABC Repairs on thursday. She seemed quite upset and hung up. Later that same day, I received a call from ABC Repairs Inc. confirming the original appointment on 1/6/11.
For the record, the next day I received a second call from DEF Electronics asking me if I had made up my mind to which I replied again that I already had an appointment with a different company. Again the lady seemed upset and hung up. I thought this was a little strange.
On 1/6/11, as arranged, the technician from ABC Repairs came to my home and diagnosed a faulty panel which he said needed replacing. He told me he would get authorization and come back to make repair when the part was in. He mentioned that these parts are expensive so I might end up with a refurbished part depending on my policy. I mentioned to him the other company calling me and he said it happens a lot where referrals get made and warranty companies give out the information to more than one company so I figured that was what happened.
By the next wednesday, 1/12, nearly a week later, I had not heard anything so I called the same Banker's Warranty number as before and asked for an update on the repair. I was told that they had NEVER called ABC Repair Inc, that no appointment was made with them and that they ONLY use DEF Electronics to service TV's. I obviously questioned this because as far as I know I am NOT crazy and didn't make it all up. In fact the man's voice sounded just like the man I had called the week before - he had a distinctive accent - but he insisted I was being untruthful, that I was NEVER told about an appointment and he told me I had to start the whole claims process over again from scratch and would have to pay ABC repair Inc for the call out of my own money. He also said his notes indicated that someone from Banker's had spoken to me regarding this already and I told that person I CHOSE to use ABC Repairs myself. This NEVER happened and of course would be ridiculous.
After I hung up, I called ABC Repairs and spoke to the same technician who came to my house. He gave me the authorization #, work order # and billing code that he was given by Banker's. I then called Banker's back and gave him these same numbers. His attitude changed somewhat when he found these numbers to be authentic because it proved I could not possibly have made them up and had NOT been lying to him . He said he would refer the case to someone else who would call me.
On 1/13, a lady called me from Banker's Warranty to advise me that someone from ABC Repairs would be out to my home to look at my TV to see what was wrong. I advised her that someone had ALREADY been out the week before and had already diagnosed the problem. I also pointed out that even though the first gentleman at Banker's had insisted that Banker's NEVER use ABC Repair, here they were again making appointments with the same company and I told her how rude the man was to me. She apologized and said she wasn't even told I had already had the technician in my home and to forget she called...strange again.
I then received a call from a gentleman in the claims department at Banker's Warranty 1/20. He explained they had now decided NOT to repair my TV but would mail me a check for $328.64 instead. He also read from what he said was my contract indicating that this was a depreciating policy and read a whole set of terms and conditions that were NEVER disclosed to me. NONE of these conditions were stated on MY copy of the contract and I told him so. He said he would mail me a copy so I could see it for myself. I also inquired as to how this amount of $328.64 was calculated. He could not explain and said the computer works it out.
Today in the mail, I received a check for $328.64 in an envelope with NO details on how it was calculated and NO letter. In a second envelope was a copy of my contract again with no letter and to my surprise it was EXACTLY the same as my contract with no mention of any of the terms and conditions he had read to me regarding why they had refused to repair my TV.
I then spoke to an attorney in Raleigh, NC and faxed him all my paperwork for review advising him of this sequence of events. He agreed that nothing was ever disclosed to me to indicate that the warranty company could cancel the contract at their discretion whilst 'cashing me out' for whatever amount they felt fit. He suggested I contact you and to also contact the A.G's in all the states quoted on all the paperwork I was sent to formally complain regarding these practices.
At $499.99, my warranty was in fact worthless because under these conditions, the warranty company could cancel the contract at any time and cash out whatever amount they felt as soon as an expensive repair occured. I purchased the warranty in the first place to cover any expensive repairs that may develop. After all, isn't that the whole point of purchasing a warranty?
I am sending you copies of all the paperwork I have quoted here and would appreciate you initiating a claim against this company regarding this issue.
Yours Respectfully,
(ME)
HERE IS THE RESPONSE...
I had sent a copy of your correspondence to the Contracts Manager at Bankers Warranty Group (BWG) and did receive a response. Here is his answer regarding the issue about having two repair services respond:
As for the service center issue that (ME) experienced, it appears that the service center that was originally dispatched through ServicePower failed to formally accept the dispatch (though they did so verbally when initially called by BWG’s agent). In order to avoid delays in service, if a dispatch is not claimed within a certain period of time, it automatically rolls over to the next service center on the list, which is what happened here. However, since the original service center had only confirmed their acceptance verbally (rather than formally through Service Power), there was no record of the first s/c being dispatched. BWG apologizes for the confusion and frustration that Ms.(ME) must have experienced because of that.
In regards to the quality of service provided, BWG records their calls and I received the following response:
I have not had an opportunity to have the calls pulled for quality assurance, but I will have our quality team review them and take any appropriate corrective actions necessary with the agents if they are determined to have acted unprofessionally.
In response to the issue of the value of the TV and the amount of coverage toward repair, I received the following:
As far as the ACV issue goes, there isn’t really much to add from my e-mail below. Even if the contract were interpreted as a per-claim LOL (which BWG disagrees with), the result would be the same since the only deduction (other than the cash settlement) is from the diagnostic fee for the same claim. Ms. (ME) television would be uneconomical to repair even if she were to pay for the repairs herself (given that the repair estimate exceeds the cost of new televisions today as TV prices have gone way down over the past couple of years). As such, she would no longer have the same covered television anyway (as the contract is not transferable to a new product). Ultimately, however, BWG maintains that the correct interpretation of the limit of liability is as applied to the contract as a whole.
I believe that I mentioned to you on the phone that I was currently discussing a very similar complaint from another contract holder with BWG and although I don’t personally interpret the contract language the same way they do, I can’t completely disagree with the wording either. I can understand how the limit of liability towards repairs is interpreted but I feel is should be written in a more concise manner. The contract states “The limit of liability for the dealer under this contract shall be the actual cash value of the product in operating condition at the time of the claim.” Because of the statement “under this contract”, they interpret that to mean the total liability for all repairs performed for the life of the contract. Practically all contracts I usually work with refer to the “total”, “maximum”, or “aggregate” liability for all repairs performed under the contract. I believe using these words makes the contract’s definition of the limit of liability under the contract more evident to the contract holders. While technically the contracts are defining the maximum liability for repairs under the contract, you get to the same point in a more concise manner. Because the contract states “There is no limit on the number of repairs that can be performed on the product covered by this contract.”, most consumers are going to see this as the ability to have the product repaired as many times as necessary regardless of the limit of liability but, because a limit of liability which is equal to the actual cash value of the unit does apply, it takes precedence over the number of repairs. Again, although I don’t completely agree with BWG’s interpretation of the contract language, I can’t disagree with their interpretation either.
Because we are simply their insurance company and our responsibility under our contractual agreement with them is to provide funding to pay for valid claims if they become financially unable to do so, we have no authority to override any claims decisions they make and we cannot force them to approve a claim beyond what they feel is appropriate. We do investigate complaints when a contract holder contact us and if it appears a claim has been improperly declined, we point out the Administrator’s error and they usually correct it. In this case, because they have not really made an “error” in their claim decision, there’s nothing we can do to change their decision.
WHAT A BUNCH OF BS...of course I understand that TV's have in fact gone down in price since I purchased mine. I do NOT expect full reimbursement for my TV. I DO however expect Bankers Warranty to pay for the repair OR exchange for similar. That's all...nothing more ...nothing less...
SO LIKE I SAY...BE VERY VERY CAREFUL WHO YOU DECIDE TO USE IF YOU CHOOSE TO PURCHASE AN EXTENDED WARRANTY...ACTUALLY, GO ONE BETTER AND DO NOT WASTE YOUR MONEY ON ONE AT ALL BECAUSE AS YOU CAN SEE THEY ARE NOT WORTH THE PAPER THEY ARE WRITTEN ON...ESPECIALLY THOSE WITH BANKER'S WARRANTY.
Wowee.Thank you so much for sharing, very important to know. Am so sorry for all you had to go through-just wrong on all fronts. Really hope your homestate AG is helpful, ususally they are.Hey if enough likewise screwed people comment maybe you could go for a class action!
Don't Buy Extended Warranty - Especially from Bankers Warranty Group
I will never buy an extended warrany again. Especially from Bankers Warranty Group! (The only exception might be for my automobiles, but their by Dodge - Not Bankers.) My warranty #U120951 with VAC (now Bankers Warranty Group). I was told by someone from Bankers that I'd have to pay for a service call to determine weather my TV was covered by their warranty. I then paid Sartor TV (in Plano, TX) $135.00 and was told that my repair was covered. One of the boys from Saror TV told me to keep that receipt because Bankers will want it to give me re-imbursement. Dispite their earlier assurances, now Bankers is telling me that I do not get that fee reimbursed. What's more, they have sent me a check for $342.60 as a settlement. This does not include the fee paid to Sartor. The gentleman on the phone explained "depreciation" to me as though I were a ###. I feel that the depreciation should go back to April 8, 2010 - when my TV first broke down and not December 17, 2010 when they finally got around to resolving the matter. I can't believe that it took 8 months. When you speak to their Customer Service they like to tell you that they will call you back. They rarely do. The TV in question is suppose to be covered until June 2012.
The complaint has been investigated and resolved to the customer’s satisfaction.
Check the trade magazine Dealerscope. Search the warranty links. You'll see a disturbing thread relating to Banker's Warranty and the angry retailers complaining of their lack of service. When it comes to consumer electronics, just say NO.
compusa stopped selling warranties with BWG because they have lied to customers so much telling them that the warranty covers everything and that is not true by any stretch of the imagination. That is the real truth, people buy warranties under the assumption that it covers any and everything, then when the issue is not covered by the warranty company based on terms and conditions of the dealer, not the warranty company. The propblem is dealers that that sell the warranty directly make commision and bonuses for selling extended warranties. Why is it do you think that you don't actually have the warranty company soliciting your business? The warranty won't sell itself and that is why you ahve so many people being swindled by the guy in the store with the kakki pants and tie trying to push you so hard to purchase the extended warrany, they are jsut like car salesmen. They do what they need to do to make a dollar. How do I know? Because I have worked for these types of store and I was not tought to lie I was just tought not to bring up things that would detour the customer from buying the extended warranty.
You all need to complain to your Vendor. BWG has deaf ears, don't call them. Complain to TigerDirect, Global, Systemax, CompUSA to stop using Bankers Warranty Group as their choice of underwriters for extended warranties.
They will make you wait for service, take several days to weeks for approval of repair estimates submitted for you the repair of your PC/Computer. They will continue to drag it out and have several different servicers attamept to repair your issue, then have you ship the unit in for repair. Causing you the customer furhter delays, and they penalize a servicer, waive the payments to the servicer, so they have enough money left to have YOU ship your unit in. Otherwise, you should be getting a replacement, not more time.
That's how they do it and make money whil you the customer suffer and the techs coming out to take care of you, never get paid.
Warranty is Scam
I purchased a Toshiba 47" LCD TV from Comp USA after a great sales pitch on the coverage of an extended warranty I decided to purchase one(big mistake). 6 months later when the it failed I called and reported the problem, after no word, I called back and was told it was under evaluation to deturmine if the complant was covered. Finally after two more days it was aproved for service, apprently they were able to diagnose the problem with out ever seeing it, after a week i called and they had me contact a service company who told me parts were on order and the tech would come out and install them when they arrived another week went by and they told me the warranty company was suppling the parts and they were waiting on them, the next week they were on backorder but now shipping the next day, same thing this week, over a month and Iam no better off than when I started. This warranty is not worth the paper it's written on! Bankers Warranty ans CompUSA big Scam, by the way I called Comp USA and they just sell the plan they have no responsibility!
The complaint has been investigated and resolved to the customer’s satisfaction.
I work for BWG and I can say without reservation that we do EVERYTHING we can to help customers within the boundaries of the terms and conditions of the warranty contract. The problem with 90% of the people I talk to is they have not read the T&C's..didn't get a copy? Why not?Do you often buy things and not get it? Ask for it, call us..we WILL get you a copy..and then READ IT!
Extended warranties for consumer electronics or major appliances are a complete waste of money from ANY extended warranty company. The overwhelming majority of CE and major appliance products are reliable. If you do need repairs after the manufacturer warranty expires for most people the cost of the repair is LESS than the cost of a warranty contract. Extended warranties are a SCAM by retailers. They sell CE and major appliance products at very low (or no) profit, then make the real money on these worthless contracts. DON'T BUY THEM!
Mr. Caines,
I am the Claims & Service Manager for Bankers Warranty Group. I would like to review your claim but was unable to locate it with the name on your post. If you could email me either your contract number or the name or number on the warranty I would be more than happy to review the situation to ensure it was handled appropriately.
Bryan Myers
Manager, Claims & Service
Bankers Warranty Group
727.579.6215 - Office
bmyers@bankerswarrantygroup.com
I have no complaints about my Comp USA purchase and Bankers Warranty Group warranty. Everyone I spoke to were very kind and helpful. Earlier on in the warranty I called Bankers and they transferred me to the Manufacturer who were not helpful. Are you sure you weren't talking to them?
Does not honor warranty
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).
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.
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.
:yawn:...done yet?
really...come on..."so there"?
My 4 year old says that.
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.
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.
Bryan,
I apologize for the digeression of this thread...hoping we can resolve this without further input from the flying peanut gallery.
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.
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".
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.
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.
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.
Anyone with experience dealing with BWG or Car Toys' warranty...please feel free to comment or offer some advice.
Thank you!
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.
excuse me...17 posts per day...apologize for the extra credit.
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.
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.
K Mart / Big K - Customer Service
Let me guess...she told you no so she is rude. Let me see you smile for 9 hours straight.
Kmart - Layaway
I thought everybody knew that you could not put sale priced items on layaway. And it should be there on a yellow sign right on the layaway window where...
AT&T Telephone - AT&T Telephone
Did you sign up for a bundle?
Whiteoak Ford - Bait and switch fraud
You expected to get the sale price after the sale? That is not a bait and witch. That is you proving your ignorance.
Bankers Warranty Group - Does not honor warranty
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.
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"
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
Contract # U641035
oops...should say..."before the POWER was completely lost"
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...
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.
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.
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.
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.
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
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
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
bmyers@bankerswarrantygroup.com
they will send repair person to fix air conditioning
Live in Texas 2 year new home Air conditioning not working for 2 weeks now. We have the appliance warranty group protection that we paid $800. for 4 years of protection 1 year ago. Claim was reported to them [protected].
after a week of calling them and supplying them with all info along with several air conditioning companies locally, they now say they don't have a service that will work for there contract price and they were now reveiwing the claim. MY CLAIM NUMBER STARTS WITH 666 I THINK THEY ARE THE DEVIL
The complaint has been investigated and resolved to the customer’s satisfaction.
I work for BWG and I can say without reservation that we do EVERYTHING we can to help customers within the boundaries of the terms and conditions of the warranty contract. The problem with 90% of the people I talk to is they have not read the T&C's..didn't get a copy? Why not?Do you often buy things and not get it? Ask for it, call us..we WILL get you a copy..and then READ IT!
did not sevice laptop
Bought a Paviolon HP laptop with vista and purchuse a 3 year sevice plan. the laptop work well until 25 months the screen went black after calling several times I got ahold of someone and started the process. After giving the intial info I was transfered to a service tech who instructed me to remove the battery push a few buttons to no aveil. They said I...
Read full review of Bankers Warranty Group and 21 commentsThey basically cover nothing
This company's primary goal is to do anything in order to deny your warranty claim. My 2-year-old Whirlpool front loading washer began to leak softener and laundry detergent out the front. I was forced to pay the $165 repair to replace a tray (it took the serviceman three seconds) because it was not a "mechanical failure." Same thing with a dryer blade...
Read full review of Bankers Warranty Group and 31 commentsOverview of Bankers Warranty Group complaint handling
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Bankers Warranty Group contacts
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Bankers Warranty Group phone numbers+1 (800) 431-5843+1 (800) 431-5843Click up if you have successfully reached Bankers Warranty Group by calling +1 (800) 431-5843 phone number 0 0 users reported that they have successfully reached Bankers Warranty Group by calling +1 (800) 431-5843 phone number Click up if you have UNsuccessfully reached Bankers Warranty Group by calling +1 (800) 431-5843 phone number 0 0 users reported that they have UNsuccessfully reached Bankers Warranty Group by calling +1 (800) 431-5843 phone numberCustomer Service
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Bankers Warranty Group emailsinfo@bankerswarrantygroup.com100%Confidence score: 100%Support
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Bankers Warranty Group address11101 Roosevelt Blvd N, Saint Petersburg, Florida, 33716, United States
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Bankers Warranty Group social media
Recent comments about Bankers Warranty Group company
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