Complaint Review: Best Buy Geek Squad ESIS Insurance - Richfield Minnesota

 ESIS insurance is also into workmens compensation, ESIS advertises save 40% on workmens comp insurance, it does not take a brain surgeon or rocket scientist to figure out that if a company can charge 40% less than any other company for insurance they have to cut corners somewhere . Let me think OH YES let us deny as many claims as possible, Would not suprise me in the least if they where to deny all claims that are not backed by and actual video recording showing any particular event that might turn into and insurance claim. Consumer protection is what we need for all Americans against companies such as ESIS.

In the future if something like this happens: 1) File a claim and ask for an immediate decision. They should be able to render a decision within two or three business days. 2) If no favorable decision, file an immediate credit card dispute on the installation charges. 3) If no results within 10 business days, call the store manager and inform her/him of the CC dispute and say that you are about to return your entire purchase valued at $x. 4) If you get promises, allow ONLY 3 business days (time for mail to arrive just about anywhere in the US from just about any corporate headquarters). 5) If no concrete result return all of the items purchased (including any items you may have purchased within 30 days even if they weren't part of the problem install). Be sure to note exactly how each item was installed so you can replicate that installation in the future. Maybe you won't require techs to do the next install. Don't worry about packaging or returning every little mounting screw. Best Buy (and other merchants) allows you to return items "naked" as you return within 30 days and have receipts. 6) Continue to follow up on the claim with the credit card dispute as leverage. Generally the CC company will be more sympathetic to you than the merchant because you have a choice in which CC to use. Especially for big-ticket transactions, the CC company will often negotiate with or lean on the merchant to resolve the problem. The merchant is pretty much stuck with having to deal with all CC companies. 7) Once you sense any delay or stonewalling, immediately ask for a subpoena address. 8) If no movement within a business week of the subpoena address request, file in small claims court and follow through. This process is called "going to the mat" and sooner or later the merchant will blink. Don't accept an offer for a free TV or a coupon for money off in their store--you don't want to contribute further to their bottom line! Settle only for being made whole. Eventually you will get what you want, even if it's by default judgment when they don't show up for their court date. Even then, keep bulldogging them until they pay the judgment. If they don't, their local store can suffer civil consequences, so there's no margin in not paying you in full. Whenever I've followed this course of action I've gotten reimbursed. I've never once had to go to court. A few general thoughts: 1) Don't ever get angry. Just calmly state to the manager, the help line person, the CEO, the insurance person what you want and what action you are going to take. Listen to what they have to say and try to cooperate as far as it's reasonable in filing forms, etc. But then do what you say regardless of what promises are made. The moment they figure you're serious they will cave. 2) Contrary to popular opinion, bestselling management books, autobiographies of business leaders, etc, the company is NOT interested in keeping you happy. But they ARE interested in you continuing to buy from them. Even with a frown on your face. You can be upset, you can hate their guts but if you keep contributing to their bottom line, everything's peachy. So stop purchasing from them while you're in dispute! 3) Even if you really don't care about the money, consider following through to show your kids what they should do when bullied. If everyone did this we wouldn't have the Capital Ones of the world. 4) On the other hand, if it's something that won't kill you like a few muddy footprints on your beige carpeting, don't go to the mat. It's not a major loss and it's the kind of thing a guest (albeit an inconsiderate one) might do. Make a complaint to the store manager and leave it at that. But keep it in mind for the future--maybe the price of an hour cleaning the rug isn't worth the convenience of them delivering or installing in your home again. Finally, be sure you re-purchase the same items from Amazon.com or another of Best Buy's direct competitors and either install them yourself or hire a competitor's technical team to do the installation. This is important to show them that you didn't just have buyer's remorse, you were genuinely unhappy with their service and intentionally retracted the profit they would otherwise have earned from you. At some point, make it clear to the merchant that you've purchased from his/her competitor; even show them the receipts. Sometimes that shakes 'em loose.

since you have already spoken with someone in Executive Resolutions dept. Best Buy isn't going to do anything else for you The most important question is.. Did you sign anything from the Geek Squad installer basically stating that the TV was delivered? I assume the answer is "YES" without really reading the form.. which basically stated that the TV was delivered working correctly, properly installed, and that there was no damage to your property or if there was you noted it on the delivery form & both you/the geek agent signed that part.. at this point.. contact your Local Attorney General Consumer Affairs dept & insurance commissioners office for advice on what to do.. then consider small claims court... you could get a "default judgement" if Best Buy manager decided it wasn't worth his time to go to court - then you could send a demand letter for payment to Best Buy corporate... if they do show up.. they might have lost the delivery form you signed.. etc.

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