Complaint Review: Home Service Club Warranty Corp - New York New York

After nearly 2 years of paying for a home warranty I finally submitted a claim on November 28, 2016 to have my garbage disposal and a leaky roof repaired. As per my contract I did not receive a call from the assigned technician within 72 hours of my claim. I had to follow-up several times only to be told by the plumbing company that within 15 minutes of submitting my service request through an HSC agent it was cancelled by HSC. I inquired why it was canceled but no reason was given. I resubmitted the service request through their website portal and they finally came out on 12/09/16 only to inspect and not repair. I took a half-day from work off only to be told they would need to come back another day to replace the garbage disposal. The plumber indicated the unit was old and the blades had rusted and stopped spinning. I waited to hear back from the plumbing company to reschedule the appointment but did not hear back from them nor HSC that day. I called back to complain about the poor service and follow-up the same day and was told a supervisor would call me back to address my concerns. On Monday, December 12 I called to inquire status and was told by a representative that my policy was flagged by HSC for fraud and that it was transferred to their fraud prevention department. I requested to be transferred to the Fraud Prevention Department but was told that they could not transfer me. I asked to speak to a supervisor and was told they could not transfer me.  I received a call at about 3:00 pm by Stacy Clark at extension 5037 who claimed to work at HSC in their fraud prevention department and that she was the supervisor. Stacy made outrageous allegations that I accosted, threatened, was difficult, and threw the plumber out of my home and refused to pay my deductible. She further alleged that the plumber had secretly recorded me asking him to install a 1/2 hp rather than my 1/3 hp unit and attempted to coerce the plumber in my insurance fraud scheme. They further alleged that the plumbing company had blacklisted me and reported that I threw metal objects down my disposal to intentionally ruin it to obtain a better newer model and that Gennaro Plumbing would never send a technician to my home ever again. As a result my account was flagged for fraud and that no further service calls would be honored pending an investigation. I've paid over $1,000 in premiums, why would I commit fraud for an $80 garbage disposal that I ended up replacing myself and got a better model for the same price. After hearing these ridiculous allegations I contacted the plumbing company (Gennaro Plumbing) and spoke to office manager Patty. Patty denied ever reporting such a thing to HSC and quite the contrary, Patty told me she cancelled their contract with HSC due to unethical tactics, excessively long hold times (40 min plus) and bullying by someone named Danielle. Patty informed me that HSC indicated that Gennaro was their sole vendor in my area and that without them they would not be able to service my claim. Instead Patty suggested to Danielle that they cash me out to have the repair done on my own. Instead, HSC fabricated an ostentatious lie of me committing fraud in order to not honor the service contract and further deny future service requests.  In reality they do not have any contractors in my area at all to service me. The two contractors that were assigned to come to my home complained to me that they cannot reach anyone at HSC to get approvals for the work or have to wait over 40 minutes on hold each time so they give up. I believe that HSC intentionally makes it impossible to reach anyone by phone in order to exasperate their clients and vendors so that we give up and not use them for their intended purpose. I've contacted them no less than a dozen times with a wait time of 40 minutes plus and have not received a call back from Stacy nor anyone for resolution. I left various voicemails for Stacy indicating I would be filing a complaint with the Better Business Bureau, New York Department of Financial Services and the California Department of Insurance if I did not receive resolution or a call back within a reasonable amount of time. Shortly after my voicemail I received an email from HSC indicating my policy was cancelled for fraud and threats but then they charged me for my monthly premium within a day. Apparently telling HSC that I would file complaints with the proper administrative agencies is considered a threat. HSC has retaliated against me for simply doing what is within my legal rights to seek timely resolution. I believe they are committing insurance fraud, consumer fraud and bad faith. Flagging people’s accounts for fraud is a pattern of manipulation and bullying. They have done this to numerous other policy holders, just read the consumers Yelp reviews. After doing some more research, I found out that this company isn’t even registered with the California Secretary of State to conduct business in California.