I own a 2005 Nissan Maxima and my extended warranty had just ran out. I saw a commercial referring to StopRepairBills.com and gave them a call. The sales representative took my cars information down and told me that it qualified for a powertrain warranty that was the same as you would get at a dealership that covered my air condition, engine, transmission, water pump, seals and gaskets, etc. Basically, all of my major componets on my vehicle would be covered. I inquired about other plans and he said this was the only plan available for my vehicle. He told me the price and I told him thank you for the quote, but I could not afford it. He then said that they he might be able to get me a payment plan, but he needed to speak to his manager. He got back on the phone and said that I was approved for a payment plan with $500 down. I told him I could not afford it and he asked me how much I could afford to put down, because he would hate for me to miss out on a great deal. I told $150 is the most I could put down. He again put me hold saying he would try hard for me to get this approved by his manager. He then cameback and said that I was approved and asked for my financial institution information told set up my payments of $85 a month due on the 1st of each month starting 10/1/09. He went on tell me that I had 30 days to cancel the policy for a full refund and that I would receive my policy information within 5 business days to review. He also told me I needed to wait 30 days before I could used the policy. Purchase date of the policy 9/1/09. On 9/22/09, I received a letter from their finance company Mepco with details of the withdrawal to come out of my bank account as well as a package of Prolong Plus products.
I immediately called StopRepairBills.com and was told by one of their representatives that I needed to use the Prolong Plus as a requirement of my contract with them in order for the policy to be valid. I informed them that was not discussed with me at the time of purchase, but he went on to say that the representative that sold me the policy was new and must have forgotten to tell me that. I asked this representative when could I expect my policy to come in the mail for my review. He told me that it had already been ordered and if I did not receive it by 9/25/09 to give him a call. He then proceeded to give me his extension. And he also told me that I could not use my policy for 90 days from the date of purchase which was contradicting what the sales representative had told me. I called the representative on 9/25/09 to let him know that I had not received my policy in the mail, but surprise suprise I could not get a hold of him. On 9/28/09, I called again to get a copy of my policy and the representative told me that they would request a copy to be mailed out to me. I told them that was unacceptable because my 30 days for a refund was about to be up and I needed to review this policy. The representative faxed me over a copy of the contract on 9/29/09.
What I found in the policy was not what I was told what I was buying. I called them on 9/30/09 and spoke to another representative to discuss the discrepancies. The representative told me to not worry that he would mail me out a copy of my policy, but I indeed was totally covered for anything that happened to my air condition, engine, transmission, water pump, etc. And he went as far as to give me my policy number and the claims number if I had needed to file a claim prior to me receiving my policy in the mail. I NEVER RECEIVED A COPY OF MY POLICY/WARRANTY IN THE MAIL AND MY ACCOUNT WAS DEBITED THAT DAY INSTEAD OF THE 1ST!!! Fast forward on 1/7/10, my vehicle had a breakdown and was subsequently towed to a repair shop. A week later on 1/14/10, the mechanic called me saying that StopRepairBills.com claims office needed me to sign a form authorizing the tear down of my vehicle before they would send an inspector to view my vehicle or the claim would be denied without being seen. I called their claims department and spoke to one of their claims representative and asked him the purpose of this form. He told me basically, if I wanted my vehicle repaired I needed to sign the form. I told him that my mechanic said that the diagnostic trouble code indicated that it was an issue with the torque converter. I asked him if that was covered. He looked at the policy and said it was and that I needed to go ahead and sign the form to get someone out there and repairs started. He also let me know that I was covered for $100 of rental and $75 in towing expenses. I went ahead and signed the form as directed.
On 1/22/10, my mechanic calls me and tells me that they denied my claim. He didnt understand it because the inspector did not view the diagnostic trouble codes nor did he inspect the transmission and engine in its entirety. Furthermore, my mechanic contacted the claims office to let them know that the inspector that they sent did not inspect the vehicle completely and misdiagnosed the vehicle and that they should send out another inspector or he could supply them with their report of the breakdown showing the trouble codes displaying on the vehicle. Claims Manager denied the reinspection and the receipt of their report. I contacted the claims office and initially spoke to a claims representative, who told me that my claim was denied due to the inspector's report. I told her the situation with the inspection and the misdiagnosis and that I was requesting a reinspection. She told me that it appeared that the vehicle had been reinspected because she had two reports on the vehicle and the inspector said that their were diagnostic trouble codes present. I told her that there were no codes because he never checked them and again requested a reisnpection. She told me she could not do it and turned me over to her boss. I requested a reinspection from her boss after explaining the misdiagnosis of the report produced by their inspector. The claims manager told me that the inspector was not a representative of their company but contracted. He further went on to say that he was not sending another inspector out to see my car, my claim was denied and to check items #5 (Exclusions) and #9 (Arbitration) in my policy. He said my claim was being denied due my vehicle having larger tires than the stock tires. He claimed that the larger tires caused my transmission problems and went on to say that it is well known that Nissan Maximas from 2004 to 2006 were notorious to have transmission problems. I told him I purchased my vehicle from a dealer with the larger tires and if the tires were an exclusion of the policy I purchased than I should not be allowed to purchase the policy. He told that sounds like an issue between me and the dealership I purchased my vehicle from and referred me back to the arbitration clause in the policy.
It is now 1/27/10 20 days later and my vehicle is still sitting in the shop waiting for transmission repairs totaling $2500. At present time I am looking for an attorney to fight this battle in getting my vehicle repaired.
Buyer Beware! I don't want anyone else to go through what I am currently going through with this "F" Better Business Bureau rated company. Its much cheaper to repair your car yourself than I have a company scam you out of your money with a bunch of lies and lack of service.
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