Joe In Mo
St. Louis,#2Consumer Suggestion
Fri, March 20, 2009
we made the mistake of falling for one of the commercials talking about peace of mind and it has been nothing but total harassment ever since. ive never met such rude people in my whole life. just like the first person said, we were big fans of rusty wallace for years but not anymore. why didnt he check out these guys first before they kill his boys career? everyone should write him on his website (((Redacted))) and ask him CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Former Employee
Wentzville,#3UPDATE EX-employee responds
Fri, February 20, 2009
I urge everyone to go to the website for their state attorney general. For me, I "GOOGLED" Missouri attorney general and it was the first link that came up in the search. These slimeballs will only be stopped if everyone reports their complaints to the proper authorities. I hated working there! I never saw so much unethical, rude, and fraudulent behavior taking place all at once! I feel so sad for the trusting people that are out there still being persuaded by the misleading commercials!
Fred
California,#4Consumer Comment
Fri, February 06, 2009
To everyone here, Yes, US Fidelis is the most unethical company I have come across (next to the US government). Finding an up-front and honest business ethic is most repugnant to them. They may have won the initial $195.00 I paid in December, but all subsequent charges have been refunded by my bank and I changed my bank account number. Folks, stay away from these cretins (US Fidelis). They will not be there to back up a claim. I have never experienced such a condecending tone since I told my 7 year old he could not have an X box. Fred
Johnny
LOS ANGELES,#5Consumer Comment
Thu, February 05, 2009
Luckily I read some of these comments before my warranty kicked in, so I was able to cancel it. But trust me, it wasn't easy! What reputable company harassing the heck out of you when you call to cancel something? No joke, this woman on the phone asked me 10 times why I wanted to cancel. I was at work, busy, and said "i don't want the policy, please just cancel" and she wouldn't take that for an answer. I'm not kidding, she responded back, "but why sir?" over and over and over. I raised my voice at my desk at work to a point where everyone sitting around me looked over. I was shocked at how they handled the situation. Finally, after going back and forth with her, she put me on hold and came back telling me she got me $200 off if I wanted to keep it. So basically, I just made an instant $200 by complaining! It was unbelievable! I told her NO, please cancel. And she finally said ok and took my information for the cancellation. I've never experienced something like that in my life and it leads me to believe without a doubt that I made the right decision by getting away from these people!
Fred
California,#6Consumer Comment
Thu, February 05, 2009
I agree with earlier postings. I caught US Fidelis (aka: CDWS) only after the initial charge of $195 and a subsequent $126.51 charge and despite my numerous (9+) requests they refuse to reply to my request for what is required of me to assure my coverage as promised in their advertisements. You cannot get a straight answer from these people. I am suing them civilally for breech of contract. Folks, DO NOT BUY anything from this company. They are SCUMBAGS and liars!!!! Fred Placerville, Ca
Undercover
Frisco,#7Consumer Comment
Thu, February 05, 2009
Lisa, While I am not an employee (either current or former) of any of these direct marketing firms, through my former occupation, I have acquired first hand knowledge of how they work and how they are structured, which may help you. My background has been in the automotive field, primarily representing independant "Vehicle Service Contract" (Extended Warranty) Companies. Three years ago I was approached (through an "agent") by one of the larger players in the Direct Marketing Industry to explore the possibility of (THEM)representing one of our products. It sounded great as the market could have supported hundreds if not thousands of these contracts being sold, resulting in a windfall profit for my company and great commissions for me. However, my conservative and professional management saw fit not to pursue this type of business as claims and cancellations were projected to be very high and CSI (yes - Customer Satisfaction) would have been very low. In other words, the Risk was not offset by the potential Reward. Thank Heaven that managment had this foresight to think that REPUTATION was more valuable than the " Almighty Buck". Because of this background, I feel confident in making the following statements. Research will show that there are several dozen of these direct marketing firms, primarily focused in the St. Louis area, with most of them (of not all) having several common demominators, as follows: #1 Many of the management of these various firms have all worked together at one time or another. They see how the "Big Boys" have done it and want to make their fortune in the same way. #2 They resell products marketed to them by other companies (vendors) with varying reputations. They do not, for the most part, market products of their own design or backing. #3 They choose the products to resell based primarily on the "Wholesale" price given them. If Company "A" has the exact same listed coverages as Company "B", but charges $300 less which one would you sell for the same Retail Price (provided you are paid a commission)? However, the cheaper price usually means that the company (Company A in this case) is putting less aside to pay claims (called reserves) and somewhere along the road, will start denying claims based on whatever they can dream up or, worst case, simply fold up shop. #4 Training by the vendor supplying the product, within the organizations is usually not allowed. They want to train their own way. Obviously, product knowledge is not a focus or that individual would have known about the rentalcar coverage. #5 Most states require a 100% refund to the consumer if a refund has been requested and no claims have been filed, provided the refund has been requested in writing within the first 30 days of the contract period. Some states require that this period be extended to 60 days. After that, you are entitled to a prorated refund, typically less a small administrative fee ($25 -$50). In some extreme cases, a Service Contract Company may refuse to refund you anything if you have filed and have received payment of claims that exceed the purchase price of the contract. #6 There are states that the telemarketing of Vehicle Service Contracts is pure and simple, ILLEGAL. If I am not mistaken, the state of California is one of these states. You need to check with the state Attorney General and/or the state Department of Insurance. I believe they will be happy to help you. Hope I have helped you.
Former Employee
Wentzville,#8UPDATE EX-employee responds
Fri, January 30, 2009
PLEASE go to your state attorney general or contact the one in Missouri. This company has been in trouble with the attorney general in Missouri already but under the names of DEALER SERVICES///NAWS///NATIONAL AUTO WARRANTY SERVICES. Don't believe me? Go to the Attorney General Website and you will find out. Also go to Better Business Bureau for St. Louis Missouri area and see that they have a grade of F. Search for Dealer Services and when you scroll down you will see that they have done business under these other names. How do I know so much? I use to work there. I don't know why they don't get further investigated. I guess because the owners have alot of money. Money Talks. If you continue to look throughout this website you will see several posts I have made regarding the company. SADLY, Rusty Wallace racing is being sponsored by this company for NASCAR this year. Obviously, Wallace did not research them first. Or it is just about the money as well. He is going to be a spokesperson for them? I have lost all my respect for Rusty Wallace and he use to be one of my husband and I's favorite drivers. By the way, his son Steve will be driving the car. Tell the NEWSPAPERS, tell TV and Radio stations of what has happened to you...copy and paste this letter....which by the way sounds way too familiar to me. SAD....