Independent profile — not affiliated with Fidelity Warranty Services
Fidelity Warranty Services
Fidelity Warranty Services (FWS) of Deerfield Beach, Florida administers vehicle service contracts and related products sold through auto dealers and is part of JM&A Group. This page sets out FWS's own claim, cancellation and GAP routes, BBB, Trustpilot and ConsumerAffairs figures as displayed on October 11, 2026, court opinions and dockets, and 57 linked archive posts dated 2000 to 2017 (48 with FWS as the subject).
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 48 historical complaints about Fidelity Warranty Services, published between 2000 and 2017. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Refund of Only 49 Percent Offered on 7-Year Extended Warranty
- Engine Repair Denied After Water Pump Failure, Blamed on Driver
- Second Transmission Failure Not Covered After Warranty Lapsed
- Intake Manifold Claim Denied Insisting Overheating Caused It
- Road Hazard Tire and Wheel Plan Sold by Part of JMA Group
- Bumper to Bumper Warranty Coverage Ended at 65,000 Miles
- Refund of Remaining Warranty Balance Stalled After Document Demands
- Platinum Warranty Did Not Cover Vehicle, Sales Promises Disputed
- Warranty Claim Refused as Pre-Existing After a Week at Dealership
- Three Claims Delayed by Repeated Demands for Documents
- Overheat Denial Leaves Over $800 Teardown Charges on Owner
- Coolant Crossover Tubes Leak Not Covered Under Gold Plus Plan
- Head Job Claim Approved, Reversed, Then Closed After Weeks of Delays
- Parts Listed as Covered in Brochure Denied, Standard Answers Given
- Thermostat Claim Denied for Exceeding Mileage by 1,000 Miles
- Towing Claim Denied Because No Parts Were Replaced
- Heater and Window Repairs Not Covered Under Gold Plus Warranty
- Coverage Started January 1 of Model Year Instead of Purchase Date
- Electrical Short Claim Denied on Bumper to Bumper Warranty
- Coverage Changed Three Times and Appeal Process Refused
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website: https://www.fidelitywarrantyservices.com/
- Claims and customer service: 1-800-327-5172 35 complaints mention this number
- Kia branded program claims: 1-866-440-1340
- Volvo branded program claims: 1-866-943-1329
- GAP claims: 1-800-722-4603 4 complaints mention this number
- GAP claims email: [email protected]
- GAP claim filing site: http://www.mygapclaim.com
- BBB-listed main line: (954) 429-2000 2 complaints mention this number
- BBB-listed other phone: (800) 553-7146 4 complaints mention this number
- BBB-listed fax: (954) 418-5088
Locations
| Type | Address |
|---|---|
| Headquarters | 350 Jim Moran Blvd Deerfield Beach FL 33442 |
| Mailing address | P.O. Box 8567 Deerfield Beach FL 33443 |
Fidelity Warranty Services claims, cancellation and complaints: what the company's pages say (checked October 11, 2026)
Fidelity Warranty Services (FWS) of Deerfield Beach, Florida administers vehicle service contracts and related products (prepaid maintenance, tire and wheel, GAP and others) that are sold through auto dealers. The points below come from the FWS Customer Care Center page opened on October 11, 2026. The contract in your paperwork controls; the web page is a summary.
Start a claim. The page says: "If your vehicle needs repair, if possible, bring the vehicle to your selling dealer." If you cannot, it says to follow the instructions in the contract and call the toll-free number printed on the bottom of the contract, where "a claims analyst will assist you." The general claims and customer service line on the page is 1-800-327-5172, with Kia-branded program claims at 1-866-440-1340 and Volvo-branded program claims at 1-866-943-1329. Claims-group hours listed: 8 a.m. to 9 p.m. ET Monday to Friday and 9 a.m. to 4 p.m. ET Saturday.
How claims are paid. The page says claim payments, less your deductible, "may be made directly to the repair facility" and that there is no paperwork to fill out. It lists deductibles such as $0, $50, $100 or $250 per repair visit, depending on the one you selected, and says covered parts, labor and fluids are included "as specified in your Service Contract". Coverage varies by plan name and contract, so read the covered-components list and the exclusions in your own contract before authorizing repairs.
Cancel. The page lists two routes: return to the dealership where you bought the product and request cancellation, or complete the four-step "Vehicle Coverage Cancellation" process linked from the page. Wyoming and Puerto Rico residents are directed to download a state-specific cancellation form. The page does not state a refund formula; the refund terms are in your contract (and, for some states, in the law of the state where you bought it).
Coverage start and selling the vehicle. The FAQ says coverage "begins as specified in the 'Service Contract Period' section of your Service Contract", and that "your Service Contract is transferable to the new owner", with the transfer process and any fees set out in the contract.
GAP claims. Use www.mygapclaim.com or 1-800-722-4603. The page says to keep making finance payments while the claim is processed, that you are responsible for providing the required documents, and that once documents are received "it may take up to 15 business days to conclude your claim."
If the company does not resolve it. The Florida Department of Financial Services Division of Consumer Services says it helps with insurance concerns including "warranties" for policies purchased in Florida, asks you to give the company a chance to resolve the issue first ("Most issues can be resolved within 30 days"), and takes concerns through its online Consumer Assistance Portal; it also says that by statute insurance companies and agencies have 14 days to respond to the Department once an insurance concern has been filed. For a policy bought in another state, the Division points you to that state's insurance office. You can also file a complaint with BBB, or with your state attorney general's consumer protection office. Keep your contract, the repair order and the denial in writing.
Who Fidelity Warranty Services is and who owns it
Entity. The company is Fidelity Warranty Services, Inc., described in a Florida appellate opinion as a Florida corporation. BBB lists its address as 350 Jim Moran Blvd, Deerfield Beach, FL 33442; the FWS site gives P.O. Box 8567, Deerfield Beach, FL 33443 for claims and customer service and shows "Florida License #60026" in its footer (the number is as displayed by the company; we did not open a Florida regulator record for it, and the BBB profile lists the Florida Department of Financial Services licensee search, licenseesearch.fldfs.com, as a resource for checking licenses).
Ownership and group. The JM&A Group Terms of Use (legal.jmagroup.com, last updated January 26, 2026) apply to "websites owned by Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, and Courtesy Insurance Company", and call those four organizations collectively "JM&A Group". That text says who owns the websites, not who owns the company. The JM Family press kit for JM&A Group says Fidelity Warranty Services was "Established in 1978". In its November 21, 2024 opinion in Colony Place South v. Volvo Car USA, the U.S. Court of Appeals for the First Circuit stated in a footnote that Fidelity "is a wholly owned subsidiary of JM Family Enterprises, Inc.", a corporate affiliate of Jim Moran & Associates, Inc.
How the products are sold. The FWS FAQ says a service contract is bought "from one of our more than 3,000 participating auto dealerships". The First Circuit's opinion likewise describes Fidelity as selling its products "through franchise dealers" and not directly to consumers. This is why many complaints in our archive name both the dealer and FWS: the dealer sold the contract and FWS (with its claims staff and inspectors) decided the claim.
Company statements. The home page claims 45+ years in business, 70+ million contract holders, 400+ customer service representatives, 6,000 service centers nationwide, 2.2+ million claims paid and $930+ million paid on total claims in 2024. The FAQ says contracts are "fully insured and backed by Courtesy Insurance Company", which it describes as rated A (Excellent) by A.M. Best. Courtesy Insurance Company is itself one of the four JM&A Group organizations named in the Terms of Use, so the insurer is an affiliate of FWS. These are company statements and were not independently checked (no A.M. Best record was opened).
Products listed on the site. Vehicle Service Contract, Term Care Select, High Mileage Service Contract, Road Hazard Tire & Wheel (and a bundle), Prepaid Maintenance, Total Loss Protection (GAP), Excess Wear & Tear, Theft Deterrent System, Appearance Protection and EV products. Some claims are handled by other administrators named on the Customer Care Center page (for example Xzilon, Agero key claims, DentWizard/SmartShield and American Risk Services), each with its own contact.
BBB, Trustpilot, ConsumerAffairs and archive complaints
External profiles, as displayed on October 11, 2026 (not combined with each other or with the archive posts below).
- BBB (profile for Fidelity Warranty Services, Inc., Deerfield Beach, FL): rating A+, BBB Accredited since April 21, 2017 (raw page data); BBB file opened June 1991; the complaints tab says 256 total complaints in the last 3 years and 77 filed in the last 12 months, with 191 shown as answered and 65 as resolved under BBB's status definitions; the reviews tab shows 1.09 out of 5 from an average of 57 customer reviews. BBB notes that complaint volume should be read with the company's size and number of transactions.
- Trustpilot (www.fidelitywarrantyservices.com): 4 reviews, TrustScore 2.6, unclaimed profile; Trustpilot notes that reviews may not be representative.
- ConsumerAffairs: average 1.4 from 279 reviews (page updated October 9, 2026).
Archive complaints on this site. Our archive holds 57 linked posts, dated August 2000 to January 2017 (48 with Fidelity Warranty Services as the subject; 9 are about a dealer and mention FWS as the contract issuer or administrator). They are individual allegations, not findings, and many describe older contract forms (plan names such as Gold, Platinum and Silver). Keyword counts across the linked posts (a post can match several): claim described as denied or not covered, 33; sales-pitch misrepresentation or pressure described, 25; inspector, adjuster, authorization or repair-delay problem described, 19; cancellation, refund or transfer mentioned, 10; fine print, exclusions or wear-and-tear wording discussed, 9; tire and wheel, GAP or other add-on named, 7.
Archive posts that name "Fidelity National Home Warranty" or "Fidelity National Warranty" are not linked here because they name different businesses and no source ties them to FWS.
Court opinions and dockets naming Fidelity Warranty Services
Court records below come from CourtListener opinions and dockets opened on October 11, 2026 (plus the JM&A Terms of Use for group names). They are listed with their stated outcomes; a complaint is an allegation, and several entries are commercial disputes rather than consumer cases.
- Chavis v. Fidelity Warranty Services, Inc. (D.S.C., No. 1:05-cv-01813-MBS). A putative class action filed in state court on May 23, 2005 alleging that FWS charged premiums on automobile warranties in violation of the Magnuson-Moss Warranty Act. FWS removed it to federal court; on February 13, 2006 the court denied the plaintiffs' motion to remand. The opinion decides jurisdiction only; the later history of the case was not located.
- Fidelity Warranty Services, Inc. v. Firstate Insurance Holdings, Inc. (Fla. 4th DCA, No. 4D09-2411, opinion of October 5, 2011). A commercial dispute over the sale of extended automotive warranties in Puerto Rico. The jury had found for Firstate on tortious interference and defamation counterclaims ($6,750,000 combined) and rejected the other claims; the appellate court reversed on those two counterclaims with directions to enter judgment for FWS and Jim Moran & Associates and affirmed the rest. A later opinion (October 3, 2012, 98 So. 3d 672) addressed attorney's fees and costs and affirmed in part and reversed in part.
- Colony Place South, Inc. v. Volvo Car USA, LLC (1st Cir., No. 23-1801, November 21, 2024). Two Massachusetts Volvo dealers sued Volvo Car USA, Volvo Car Financial Services and Fidelity over Volvo-branded prepaid maintenance contracts under Massachusetts Chapter 93B. The district court granted summary judgment to the defendants and the First Circuit affirmed, "for a different reason: the dealers' sale and service of the Volvo PPM are not franchise obligations under Chapter 93B."
- Sharpe v. Fidelity Warranty Services (N.D. Ala., No. 2:25-cv-00845). Filed May 30, 2025. The CourtListener docket page shows no docket entries and does not state the claims or status.
- Fidelity Warranty Services, Inc. v. Six M's II, LLC d/b/a Chrysler of Lawrenceburg (S.D. Fla., No. 0:24-cv-61760). The CourtListener docket shows entry 1 as a notice of removal (state-court complaint) on September 20, 2024, an order on a motion for summary judgment and a judgment on July 25, 2025, and an order granting the plaintiff's motion for a bill of costs on September 17, 2025; the last entries (July 10 and 13, 2026) concern an attorney's withdrawal. The docket lists the case as a contract matter in diversity and does not state the claims or who prevailed beyond those entries.
- Nataf v. Fidelity Warranty Services, Inc. (C.D. Cal., No. 2:22-cv-05482). Complaint filed August 4, 2022; the docket shows a settlement conference on January 9, 2024, a "Dismiss Case" entry on February 12, 2024 and an order terminating the civil case on February 14, 2024. The settlement terms and the claims are not on the docket page we opened.
The entries above are a selection of CourtListener opinions and dockets that were opened; CourtListener holds other dockets with "Fidelity Warranty" in the case name that were not reviewed here. No regulator order or consent decree against FWS was identified in the sources checked on October 11, 2026 (the opinions and dockets listed here, the FWS site and the BBB profile). We did not complete a search of state insurance-regulator order databases (the Missouri Department of Insurance record returned an access-denied page), so this is not a statement that none exists.
Is Fidelity Warranty Services Legitimate?
Facts that can be checked: the business is a named Florida corporation, Fidelity Warranty Services, Inc., with a Deerfield Beach address, appears in published court opinions, is part of the JM&A Group owned within JM Family Enterprises (per the First Circuit), and has a BBB profile with an A+ rating and accreditation since April 2017. Its products are sold through dealers, and the company publishes claim, cancellation and GAP routes.
Also on the record: the same BBB profile shows 256 complaints in three years and a 1.09 out of 5 customer-review average, ConsumerAffairs shows 1.4 from 279 reviews, and the archive on this site holds 57 linked older posts (48 with FWS as the subject), many of them disputes over whether a repair was covered. Those are separate measures and are not added together. Whether a given claim should be paid depends on the exact contract wording, which is why reading your own contract and asking for any denial in writing matter more than a company's overall figures.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Chavis v. Fidelity Warranty Services, Inc. Docket No. 1:05-cv-01813-MBS | U.S. District Court, D. South Carolina (Aiken Division) | Filed | Filed — no final outcome recorded Putative class action filed in the Barnwell County Court of Common Pleas alleging that FWS charged and received premiums on automobile warranties in violation of the Magnuson-Moss Warranty Act. FWS removed it on June 23, 2005. On February 13, 2006 the court denied the plaintiffs' motion to remand to state court; the opinion decides federal jurisdiction only and does not address the merits. The later history of the case was not located. | Source | |
| Fidelity Warranty Services, Inc. v. Firstate Insurance Holdings, Inc. Docket No. 4D09-2411 | Florida District Court of Appeal, Fourth District | — | Appeal decided | Appeal decided — see outcome Commercial dispute between FWS and Jim Moran & Associates, Inc. and Firstate Insurance entities over a business relationship marketing extended automotive warranties in Puerto Rico; not a consumer case. After a four-week trial the jury returned a verdict for Firstate on its tortious interference and defamation counterclaims ($6,750,000 combined) and rejected all other claims and counterclaims. On October 5, 2011 the appellate court reversed on those two counterclaims, with directions to enter judgment for FWS and Jim Moran & Associates, and affirmed the remaining counts. A separate opinion of October 3, 2012 (98 So. 3d 672, Nos. 4D11-633 and 4D11-993) reviewed a $1,427,362.50 attorney's fee award and costs to Firstate and affirmed in part, reversed in part and remanded. | Source |
| Colony Place South, Inc. v. Volvo Car USA, LLC (Fidelity Warranty Services, Inc., a defendant) Docket No. 23-1801 | U.S. Court of Appeals, First Circuit | — | Appeal decided | Appeal decided — see outcome Dealer dispute, not a consumer case. Two Massachusetts Volvo dealers sued Volvo Car USA, Volvo Car Financial Services U.S. and Fidelity under Massachusetts General Laws Chapter 93B over Volvo-branded prepaid maintenance contracts administered by Fidelity. The district court granted summary judgment to the defendants; on November 21, 2024 the First Circuit affirmed "for a different reason: the dealers' sale and service of the Volvo PPM are not franchise obligations under Chapter 93B." | Source |
| Sharpe v. Fidelity Warranty Services Docket No. 2:25-cv-00845 | U.S. District Court, N.D. Alabama | Filed | Filed — no final outcome recorded The CourtListener docket page opened on October 11, 2026 lists the case as filed May 30, 2025 and shows no docket entries; it does not state the claims, and the current status was not determined. | Source | |
| Fidelity Warranty Services, Inc. v. Six M's II, LLC d/b/a Chrysler of Lawrenceburg Docket No. 0:24-cv-61760 | U.S. District Court, S.D. Florida | Judgment | Judgment entered Commercial matter in which FWS is the named plaintiff and a dealership the named defendant; not a consumer case. The docket opened on October 11, 2026 lists entry 1 as a notice of removal (state-court complaint) on September 20, 2024, the nature of suit as contract (other) with diversity jurisdiction, an order on a motion for summary judgment and a judgment on July 25, 2025, and on September 17, 2025 an order adopting a magistrate judge's report and granting the plaintiff's motion for a bill of costs. The last entries (July 10 and 13, 2026) concern an attorney's withdrawal. The docket does not state the claims. | Source | |
| Nataf v. Fidelity Warranty Services, Inc. Docket No. 2:22-cv-05482 | U.S. District Court, C.D. California | Dismissed | Dismissed The docket opened on October 11, 2026 shows the complaint filed August 4, 2022, answers in September and October 2022, a stipulated protective order in February 2023, a settlement conference on January 9, 2024, a "Dismiss Case" entry on February 12, 2024 and an order terminating the civil case on February 14, 2024. The settlement terms and the claims are not on the docket page. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Owned by: JM Family Enterprises, Inc.
- Affiliated with: Jim Moran & Associates, Inc.
- Affiliated with: Fidelity Insurance Agency
- Affiliated with: Courtesy Insurance Company
Frequently Asked Questions
How do I file a claim with Fidelity Warranty Services?
The FWS Customer Care Center says to bring the vehicle to the selling dealer if possible; otherwise follow the instructions in the contract and call the toll-free number at the bottom of the contract. The general claims and customer service line shown on the page is 1-800-327-5172, and claims hours are listed as 8 a.m. to 9 p.m. ET Monday to Friday and 9 a.m. to 4 p.m. ET Saturday.
How do I cancel a Fidelity Warranty Services contract?
The company's FAQ lists two ways: return to the dealership where you bought the product and request cancellation, or complete the four-step Vehicle Coverage Cancellation process linked from its page. Wyoming and Puerto Rico residents are directed to a state-specific form. The FAQ does not state a refund formula, so check the cancellation section of your contract.
Can I buy a Fidelity Warranty Services contract directly from the company?
The FWS FAQ says a service contract is bought from one of its participating auto dealerships and gives 1-800-327-5172 to locate one. The First Circuit's 2024 opinion in Colony Place South v. Volvo Car USA describes Fidelity as selling its products through franchise dealers and not directly to consumers.
Who owns Fidelity Warranty Services?
A footnote in the First Circuit's November 21, 2024 opinion in Colony Place South v. Volvo Car USA states that "Fidelity is a wholly owned subsidiary of JM Family Enterprises, Inc." The JM&A Group Terms of Use separately list Fidelity Warranty Services, Inc. as one of four organizations (with Jim Moran & Associates, Inc., Fidelity Insurance Agency and Courtesy Insurance Company) that own the group's websites, collectively called JM&A Group.
What do BBB, Trustpilot and ConsumerAffairs show for Fidelity Warranty Services?
As displayed on October 11, 2026: BBB shows an A+ rating with accreditation since April 21, 2017, 256 complaints in the last 3 years (77 in the last 12 months; 191 shown as answered and 65 as resolved) and 1.09 out of 5 from an average of 57 customer reviews; Trustpilot shows 4 reviews with a 2.6 TrustScore on an unclaimed profile; ConsumerAffairs shows 1.4 from 279 reviews. The sources use different methods and are not added together.
What happens to my contract if the selling dealer closes?
The FWS FAQ says coverage continues if the dealership goes out of business: "Fidelity Warranty Services will be there when you need us." Your contract's terms still determine what is covered and how claims are made.
Where can I complain about Fidelity Warranty Services?
First give the company the chance to resolve it and keep the denial in writing. The Florida Department of Financial Services Division of Consumer Services says it assists with insurance concerns including warranties for policies purchased in Florida and accepts them through its online Consumer Assistance Portal; for policies bought in another state it refers you to that state's insurance office. BBB and state attorney general consumer offices are other routes.
How do I file a GAP claim through Fidelity Warranty Services?
The company's FAQ says to visit www.mygapclaim.com or call 1-800-722-4603. It says you remain responsible for finance payments, must provide the required documents yourself, and that processing may take up to 15 business days after documents are received.
Can a Fidelity Warranty Services contract be transferred if I sell the vehicle?
The FWS FAQ says the service contract is transferable to the new owner and to refer to the contract for details about the transfer process and any applicable fees. It also says coverage begins as specified in the 'Service Contract Period' section of the contract.