Toco Warranty
reviews and complaints

Toco not fully honoring my warranty In regards to repairs for my transmission.A lot of speculation from *** the adjuster . ***Warning you guys do not employ this Warranty Service *** I just got denied for repairs for my transmission (Service B contract) 2015 GMC Yukon. I take my vehicle to the dealer for all repairs even oil changes ! Spoke to the adjuster this AM (***) and he stated he denied me because my Transmission lines had been leaking for maybe months ( mind you I purchase the vehicle used so in mind that's the reason we purchase warranties! I have a garage I would literally see transmission fluid never the less the dealer didn't sign off on the inspectors report because even they knew Toco was attempting every angle to not honor my claim. With that being said I made the dealer print my last 6 months of Multi Inspection reports oil changes etc...every time it's an interaction with GMC they give a complimentary Multi-Point inspection to physically tell me what the vehicle is in need of repairs. Even OnStar monitors it. No this adjuster *** tells me there is no dispute process everything ends with him What a Joke of a company I'm terminating my contract and warning every single forum ,review , and warranty social media I can.

I my engine broke down in order to Diagnose the issue with my engine and now my claim was denied and now I am on the hook for *** I was informed by multiple Representatives from the company on 2/9 that I needed to have my engine broke down so that they can get a Cause of failure for my engine this was after an inspector had when to the repairshop on 2/5 and took pics of my engine and I submitted documentation to them on the same day. I give permission to repairshop to do the breakdown of engine after speaking to a representative named *** who informed me that they could not move forward with my warranty claim to fix my vehicle unless this is down. I spent over *** on rental cars from 2/4 when *** was first contacted about my vehicle. I was informed on 2/15 by the repairshop what was the cause of failure to my engine and *** sent another inspector to look at my vehicle on 2/16 and I was informed on 2/17 by *** that the claim was denied because the part that caused the engine to fail was not covered under my warranty and I am left with a *** balence with the repairshop because of a Diagnostic test (engine breakdown )that was needed by *** and it's adjusters in order to be able to make a determination on the cause of failure for my engine.

MY COMPLAINT PERTAIN TO VERY BAD SALEPERSON ATTITUDE AND PROFESSIONAL CONDUCTS. ALSO, TOCO FAILED TO CANCEL MY POLICY, DEFAMED CAR SHIELD, WHAT A SCAM THIS LETTER WAS WRITTEN TO: TOCO WARRANTY PLEASE CANCEL YOUR EXTENDED CAR POLICY FOR MY *** I HAVE A COMPLAINT AGAINST YOUR RUDE, RUDE, RUDE VERY RUDE REPS. ***, *** AND *** AND CUSTOMER SERVICE ***. ALL VERY RUDE, TALKING BAD ABOUT CAR SHIELD(note I HAVE TAPES). PLEASE CANCEL YOUR TOCO SCAMMED POLICY, I DEMAND CANCELLATION. PLEASE STOP TOCO FROM SCAMMING OTHER CLIENT WITH DEFAMING OTHER COMPANIES E.G. CAR SHIELD. ComplaintsBoard.com WILL BE NOTIFY, I DEMAND A WRITTEN CANCELLATION FROM TOCO WARRANTY! I ALSO REQUESTED ***-CUSTOMER SERVICE TO CANCEL MY POLICY, SHE WAS RUDE, MADE FALSE STATEMENT IN REGARDS TO CANCEL OVER THE PHONE AND HUNG UP. YOUR REPS SAID I HAVE 30 DAYS TO CANCEL WITH NO CHARGE AND EASY TO CANCEL." YOUR REPS MADE FALSE STATEMENTS AND STILL GIVING ME PROBLEMS TO CANCEL. NOTICE TO TOCO WARRANTY, I DEMAND CANCELLATION OF MY EXTENDED CAR POLICY FOR RUDE EMPLOYEES, TALKING BAD AND DEFAMING CAR SHIELD AND HANGING UP ON POTENTIAL CLIENTS ME! TAKE THIS ABOVE COMPLAINT AS MY WRITTEN SIGNATURE TO CANCEL AS PROOF OF MY DEMANDS TO CANCEL TOCO POLICY. NOTICE ComplaintsBoard.com WILL BE NOTIFIED OF TOCO WARRANTY Salesperson UNFAIR PRACTICE TO SCAM OTHER CLIENTS FROM CAR SHIELD!I JUST WANTED TO CANCEL MY POLICY AND THE SALESPERSONS WERE ALL VERY RUDE AND DEFAMED OTHER COMPANIES. I'M WILLING TO PROSECUTE! FROM; VERY UNSTATISFY POTENTIAL CLIENT

I am very upset with Toco Warranty and am asking for a FULL REFUND on my policies. I have paid thousands of dollars for warranty that does not seem to exist. When I have had issues and needed repairs, they were DENIED. I have been with Toco for four years now and not one repair has been covered. I have have had issues with the car and even wound up in the ER with a a bill over *** due injuries related to issues related to the car. Toco would not cover any repairs. They have also billed me when I have specifically told them not to run my cards. I have also had damage to my car due to their tow service and drivers. They did not even put it on a flatbed. One time, the key to the car, gas tank and alarm disappeared after their tow service towed my car to a shop. I have even had to call the police and file reports. I have had nothing but problems with this warranty. I feel that this has caused me damage to my car and my body by not being able to get the car repaired when I needed it to. Toco is well aware of the issues I have had with my car. I feel that there are deceptive business practices and False Advertising and Fraudulent Misrepresentation certain people at this company. This is a type of insurance and is Bad Faith and Unfair Claims Practices as well. I want my money back. I have been billed over *** in bills on top of my warranty and a car I paid over 10k for that I cannot drive and I have not been able to drive for over a year now. Warranties are there to help fix a car, not cause people a more problems. I had my car towed to multiple shops and every time, they had a hard time getting a hold of Toco and could not even get a return call, etc. or they would get denied. This was totally unfair to me and put a great deal of stress on me. I have been paying 77.00 a month for this warranty and over 70.00 for four years now and they have not paid or approved of one claim. I never did get my keys or car alarm replaced either and Toco did not care. I WANT MY MONEY BACK.

Toco Warranty is horrible, liers and will not hold up there part of your vehicle contract. I purchased my used vehicle in April, since it was a used vehicle I purchased an extended warranty to cover any major issues later on down the road. I don't have allot of money just laying around to cover any major vehicle issues. I purchased my warrenty through Toco Warranty in May . My contract was the B plan which covered everything besides everyday wear and tear like the brakes, rotors, calipers, and exe. My payment was *** every month. So my vehicle broke down around the end of July. I had to pay in between *** out of my own pocket 5 different times to have my vehicle towed. My vehicle is at *** in *** The mechanic that completed the diagnostics on my vehicle his name is ***. He's very helpful, and he knows his work. He has kept me informed on everything that's is or has to be done. *** will also agree with me and can show me prove that Toco has showed negilance. Still now I'm without a my vehicle because Toco Warranty has done nothing to comply with their part of my contract. They've denied my claim and cannot give me a straight truthful answer to why my claim is being denied. All they have done but tell one lye after another. They've been caught in multiple lies about the actual diagnostics on my vehicle. They've have shown nothing but negilance. I've made my payment every month so that my vehicle would be covered. Toco Warranty claim adjuster stated that my timing belt has broken. That's not true my vehicle has only a timing chain but either way they do the same thing ones just a newer version and simplier version and the other version is older and more difficult to repair, both parts complete the task. My contract covers all internal engine parts including the timing chain. My claim has been denied. Why? This company is a big scam they've completely robbed me and now I have no extra money just to pay to have my engine repaired I'm stuck out of time without a ride and I'm not able to go to work because I don't have a my vehicle. Every representative with Toco Warranty have been nothing but rude rude and rude. I will never recommend this company to anyone I know. I'll never purchase another extended warranty from any other company either. I have paid all this money out plus the towing fees, dealt with all the stress that came with it.

My 300 Chrysler car has been down for 3 weeks total. My claim adjuster name *** denied my claim because he said I didn't have enough service records My Chrysler 300 has been down for 3 weeks now which pep boys says that's it's my motor the claim adjuster name *** had an nasty attitude since they have gave me this person . On the process of fixing my car they gave me one email to send information too and we end up sending information to them and I called *** to see if he received it and he told me no so I repeated this email to him and he told me that it was the email and I sent it again .. I asked *** again if he received it and he told me no that's not the email after I clearly repeated the email to him, then *** gave me another email to send the documents too, and I did just that then I called him again *** answer the phone and I asked to speak with *** and *** asked if she could help me I said yes I told her that I sent document to *** and I needed to know if he received them she checked and said say yes it came through I will call *** back to let him know .. *** didn't call me back so I decided to call him back and when he answered he said he did not receive the email and let him know I spoke with *** and she told me that she received them and she was going to send it to you He told me to send him papers of oil change and I did so I called back a few days later to check on that claim I was told it was denied because I did not have enough records of oil change he didn't make it clear as to what dates he wanted and he denied my claim. So I called and asked why and he told me because I didn't have enough service records which wasn't clear as to what dates or how many was needed that he wanted me to send or how many . So I end up getting more records and sent it to *** and his colleague goes to tell me that they denied my claim because I don't keep up the The maintenance on my car.. I replied I have all maintenance papers and record on my vehicle of me having my car service but you did not ask for that and I would be more than happy to send them to , Now I'm getting the run around and now they are telling One of the manager at Pep Boys that my car is too old and they can only fix a certain amount of work is that even in the contract . ? I pay my money faithfully to toco warranty this isn't right .. Please help me this is not right and very unfair..

I signed a contract that stated: I covered in vehicle maintenance and services for everything, but my tires. On recorded call 12/3. I was referred to *** Warranty, from my dealership warranty on 12/3. I called *** Warranty on 12/03, at 3:25pm central time. I was on a recorded call with *** agent, ***. *** read the contract I was approved for over the call and, stressed that I read my contact before I signed it. I read the contract, it read as he read it on the call, and now *** has a different contract they are holding me to, that I did not sign. The contract I signed had me being reimbursed for oil changes, *** said when 60 days were up, I get refunded for my last 3 oil changes, and the warranty covered everything, but my tires. I, also, read all that in the contract I signed, with car rental, while my car gets repaired. I submitted my first claim 03/15. Upon, submitting my claim, they responded that I don't get reimbursed for any oil changes, brakes, nor my rotors. Again, the contract I signed covered everything but tires. More so, I requested a hard copy of the contract from ***, he said they don't send out contracts, I find everything online in my *** portal. I have disputed the issue with ***, requested upper management, and the recorded call with the details of my initial contract. I was working and missed the call from upper management, ***. She left a message saying they were sending me my contract. Now, they have decided they would send me my contract, reimburse me for 1 oil change (this reimbursement is credited to my next month payment) and, now, they know it has been 60 days. At first, my 60 days was not up for me to file claims and I didn't get reimbursed for any of the claims I submitted. Subsequently, I did not agree with their resolution and requested my money back. I have been going back and forth with them, since, they received my third payment on 03/15, and now they will not refund me my payments. My monthly bills were paid through my Avadian Credit Union account, my payments started 01/13, after I had to a lot of miles on my car, that I don't normally do. We have been under COVID-19, no one has doing a lot of traveling, I even, have my own work from home business, that requires no travel, and put all those miles on my car. I have kept all emails, since, I started doing business with *** and has requested that recorded call, because I know all about scanning in documents. They easily be tampered with.

Denied work on my vehicle by TOCO. I purchased a TOCO warranty in October. I had a engine problem with my vehicle in April. I called toco to file a claim to have my vehicle fixed. I was told by toco representative to take it to a repair site to get a diagnostic test done. I called the Waldorf Dodge to give them the phone number to the claim center. I was told by the Dodge Representative that I need a engine. The Dodge Representative said that he was going to contact toco to let them know the problem. When I check back with the Dodge Representative he said that toco was going to send someone out to check on the vehicle. Toco Representative came out and confirm that I need a engine. I was then told by toco that I had to produce receipts showing were I had repair services done on my vehicle. I produced the receipts, however, Toco still denied me because they said that I didn't have the mileage or vin number on the receipts and the parts needed to do the work were not on the receipts and the price for the parts. Know keep in mind that when you I signed up for toco I had to give them the Vin number and how many miles I had on the vehicle so they had that information. I was denied they started talking about policy. I call Waldorf Dodge in Maryland and they told me that I had to pay them $608.80 to get my vehicle back. Well since we're talking about policy all I was responsible for paying for is the diagnostic test , I wasn't responsible for having them to take my engine apart only toco can give that approval that's toco policy, so I call toco to ask them why is the dealership charging me for taking my engine apart only toco can do that. Toco said once your claim has been denied you are responsible for your vehicle, but all they was suppose to do was a diagnostic test so who gave them the authority to take my engine apart they had to speak with someone from toco to do that and that's policy, so I can't get my vehicle tow to my home until I pay $608.80 to the Dodge repair center and that's not fair too me the consumer. Toco claim number XXXXXXXXXX product code XXXXX toco X(XXX)XXX-XXXX Waldorf Dodge (XXX)XXX-XXXX contact person CP. please investigate Toco because there is nothing in there policy that tell you that if you have engine problem you would have to show them receipts up font before we will do work on your engine, that was the case a lot of people would reconsider purchasing a policy from them . I pay $89.00 dollars a month for my policy and the first time I need to use it they denied me. Thanks for reading my complaint and my God bless you.

Toco warranty is a joke! amyntagroup is there Claims department and they suck because they don't try to help at all all I wanna do is deny claim I have a *** With just over *** miles and toco claims department denied my claim do to oil change records being destroyed from a oil container busing in my truck I did everything they asked by sending over what I had even if it was Covered in oil which made them unreadable and I explain that it was just an accident that the oil container busted in my truck and I cannot get re-prints of the receipts I've been a toco customer for *** I spent approximately *** and warranty payments over there at 5 *** year period. I reported 2 claims Under my first contract and one of those claims became a recall from Chevrolet. I received a call from taco warranty to open a new policy in may *** at the price of *** a month. I made 33 payments at a total on *** money to cover my car if I have a problem the warranty only cover most of the engine. They claim you can change your own oil just keep the receipt and I did just that I change my own oil because I could not afford to go to a oil change shop it cost twice as much then for me to do it myself and the main reason I change my own oil was because I was homeless when I started this policy and I made every payment over the past *** to find out that my *** is denied that seems like a slap in the face after you send about *** in almost 6 years the company only been around 7 years. With out my car I can end up losing my job and become homeless all over again because a container of oil leaked on my receipt so this is what the truth would get you with this company no help when you need it and acting as if they are giving you something for free! My car is 14 years old I owned it for *** and I put *** on it in the about of time for that car the go this long without any engine problem shows I did the maintenance to keep the engine running good. The Dealership is telling toco that it time to replace the timing chain and water pump because it at the end of its life cycle do to normal wear not negligence *** thousand *** I would like for toco warranty company to make exception or a total refund to get the car repaired Insurance is basically foreign in case something happens and this is the case. I would warn anyone to stay away from *** warranty company if they don't take their car to the dealership or a shop that saves your records just in case you are destroyed or lost because they don't care at all and look at it as a you problem and would ask if you are going to make the next payment because you know you need this worthless warranty for you next claim

Fraudulently took money out of my account and is going to charge me again for the same amount of $61.69 for a used car warranty. In early November , i called Toco Warranty Corp. to state that I do not have employment at this time and I was under a cancer scare so I was not able to find employment. I spoke to *** or *** to tell him I cant afford the payment this month or next month and verbally told he would cancel my warranty. If I had the money, I can call them back. I called again because I received an email from *** Sisco stating I need to make a payment; I called and asked for a supervisor, Fred, said he doesn't know anyone by *** or an ***. Told him before I have receipt where the whole year was not all paid for and the verbal agreement was done early this year. I ensued called back and made steady payments up until last month because I am unemployed. *** told he "was never giving back any refunds or cancellations"; i told him i have receipts, if need be both my pnc bank accts reflect that I am telling the truth. He said I will send you an email to cancel coverage. Today I called again because I noticed a financial transaction on my online bank statement that he ensured that it wouldn't be charged to my personal bank account. I called and spoke to an *** who was very rude and unprofessional and couldn't take NO for an answer. It isn't doing me any good if they can't fix anything on my car and I stated "I no longer want their services anymore." When I spoke with *** he said my payment is late and they WILL take another payment out on out 12/11 because I am late and I owe it. I told him No I spoken with someone early last month and they said they would cancel the service for me and not to worry about any payments coming out. Now *** turns around; tells me you will be charged both times in December and there is no such thing as cancellation or a refund from them. He proceeds to tell me "too bad you will be charged." I told him "You cant take NO for an answer of a loyal customer who doesn't want the car warranty any longer since last month and then he hung up one me; SO UNPROFESSIOAL! I know when I cancelled around when COVID hit and we were on lock down, I had made no payments until almost the end of summer. PNC Bank was notified in November and today. I am asking for both payments to be refunded due to illegal fraudulent charge of both months due on the 11th of every month as well as the insufficient funds for both months. With me being late and refusing service they took $61.69 out on 12/2 and another will be done on 12/11 in the same amount as well. I am asking for the charges $61.69 X 2 =$123.38 plus both insufficient fund each at $36.00 that PNC charges for an overdraft. A total of altogether $195.38 in a check. The PNC bank card is not sufficient for them to put it back in my bank because I simply do not trust them at all. This is copy of my bank account with the $61.69 taken out. Ill try to see if you can let me get the bank statement from the bank, I can definitely send it to you. Virtual Wallet - Virtual Wallet Spend - everyday spending ***-$7.00 -$68.69 current balance but will be up to $195.38 by the date of 12/15. I also have a cancellation later I signed today to stop all payments but I do not believe them and they can't be trusted after the phone call I made today. Oct 13 *** TOCO WARRANTY INC XX3076 CA $61.69 09/14 61.XX XXXX Debit Card Purchase Toco Warranty There are no other transactions that I can see from the beginning of this year. Only the ones I made above.

Toco Warranty has been hard to work with through their customer service departments. Their billing system is completely and utterly disparaging. After numerous calls and documents mailed to Toco and my bank (***), my account has resulted in an erroneous cancellation. Today on June 17 I called Toco to find out why was there no payment taken from my account since April/March, and the representative *** (In Collections) rudely stated it was due to there was no payment on the account since April. I didn't know how this was possible since I was enrolled into auto payments at Toco and I have not received a letter or any other type of communication that informed me of my payment cancellation. This issue I believe stems from an initial chargeback that happened on August 2. I disputed this payment that was made on July 30 due to I was advised that I would have to make the payment for 3 months, due to non payment, to reinstate my account and bring it back current. This chargeback was cancelled by my bank on August 2 and rebilled to me as a merchant on September 09, meaning that Toco now has the payment that was rebilled to me. I spoke to numerous representatives at Toco on September 11 that advised that I would have to make an additional payment because my account was due for the amount that was chargedback. I made the payment and got an actual notice, from ***, that the merchant was paid the initial payment. So my bank encouraged me to cancel the additional payment that would have been paid in excess, on October 31. Since October 31 Toco has stated that they didn't receive either one of the payments and that the initial payment was still showing as a chargeback when it wasn't. In total, I paid $*** in combined payments to TOCO along with paying my monthly payments each month. *** payment was only supposed to be a valid charged back, and that is the payment from September 11. In January-March I had several conference calls with my bank (***) and Toco regarding the issue because at the time, they still did not show the initial payment made on July 30. My Bank has ensured Toco that the payment was made back to their institution and that there should not be any amounts owed because I have been making my payments on time as regularly scheduled through automatic payments. The supervisor for Toco, Fred, advised that I would have to send in paperwork proving that the amount was rebilled to me, and I had done so back in February. Today, my account is erroneously cancelled and Toco has taken money out of my account up until April. I did not cancel my automatic payments, and my account should be balance completely, minus the payments that were not taken from my account for April until now. Toco's billing system is faulty or the way they resolve issues with their own banking institution is just as horrible. There is no one at Toco that was willing to review my issue or balance out my account with information that may have been held within their banking institution. Fred, the supervisor at Toco, was willing to assist but I have not received any communication from him as well. Normally when a chargeback is cancelled and after the amount is rebilled, the merchant should have the funds that were taken. Instead, Toco used the payments which were made on the previous months to make payments to months that a payment should have already been applied to. Instead Toco has advised that I've been late my 3 most recent payments (which were made), instead of the initial payment of *** that was made on July 30. My account with Toco should have been completely balanced way before October 31.

The complaint is about the operations and service given by the company in question let it be known as TOCO car warranty. In 2017 I purchased a warranty contract with TOCO for 2 vehicles, ever since I have not defaulted on my payments, and never filed a claim. I renewed on March this year again at a higher rate and with out defaulting on my payments, and on December 9 my truck a Ford F150 with about *** broke down (transmission) while arriving at the military base at my job site. I immediately called the extended warranty company road side assistance, to have my vehicle towed to the nearest repair shop for repairs in this case it was Jordan Ford Motors, where I did purchase the vehicle back in 2008. The road assistance team was helpful, but the only thing they do is help with the towing of the disabled vehicle. Right after, I proceeded to call customer service to check on a rental vehicle in order for me to report to and from work, and they told me that before they could approved for me get a rental, they must have the claim submitted to them by the dealership with the diagnostic in order for them to process the claim. I kind of express that to the dealership but they told me that one option was for me to go ahead and get the rental and pay out of my pocket and then submitted to the company for repayment, but I did not go that route, because the financial situation at this moment is not feasible. The next day around 1110am, I called *** warranty (XXXXXXXXXXX) with no luck of anyone answering the phone, around *** I called another number (XXXXXXXXXXX), which I ended up talking to someone, I explained my situation especially about the part of getting a rental and explained to her that how was it possible that almost every company in the US has change the way the do business due to COVID-19 but this company still sucking peoples money out if their pockets and not helping anyone in financial hardship. As usual she told me that she was sorry, that I felt that way, and that I was right but she couldn't help me because her job was to process claims, and she proceeded to give me customer service number to see if they could help. So around 1241pm I call the number she gave me (XXXXXXXXXXX) and I spoke with a gentlemen which again I explained my situation and what I told the lady prior talking to him about their company practice during COVID-19, and again he agreed with me, but that he couldn't help me and that he was going to give my number to a supervisor to call me and see what could be done, I told him that is was going to be useless because who ever was going to get my number was going to tossed it in the trash, and I believe I was correct, because no one ever called me. Around 4pm I got a call from the dealership telling me about the repairs and how much it was going to be and that they have been trying to get in contact twice with TOCO's claims concierge (XXXXXXXXXXX) and that every time they call the machine answers and put you on hold for at least 40 minutes, and no one answers, I told him that was true because it happened to me as well, so why they are giving numbers that no one is monitoring for services? is beyond me, but i do have my suspicions that they don't want to deal will claims as long as they get the money. Little to say that TRANSPARANCY of this company is out the window. So now that I need the help and the services where is the company to back me up with my problems, this is a disgrace by this company the should be ashamed of themselves. Another thing is how is it possible that ComplaintsBoard.com rated them A+ with all the complaints that they have, the ComplaintsBoard.com is supposed to support the customers not the businesses, you need to start doing your jobs and looking closely what people are saying and I wish they get investigated by consumers affairs and the FEDS. BAD PRACTICES AGAINST THE CONSUMERS, should be ashamed especially at this times of COVID-19 where people are struggling, put your greediness aside for a moment and help you fellow American. "Selfishness is a sin"