US Fidelis misleads the clients into believing there getting a good warranty but there not!!! They scam us! Wentzville Missouri

I HAVE LEARNED THE HARD WAY THAT ANYTIME YOU HAVE A DISPUTE OR PROBLEM DON'T EVER JUST SEND PAPERS OR ANYTHING BY MAIL WITHOUT CERTIFYING IT AND RETURN RECEIPT.  PUTTING YOUR FAITH IN THE POSTAL SYSTEM IS NO A GOOD CALL. EVERYONE NEEDS TO TAKE RESPONSIBLITY FOR HOW THEY DO THINGS TOO. GOOD LUCK JUST A FYI FOR EVERYONE .THE RETURN RECEIPTS HAVE BEEN A BLESSING FOR ME AS FAR PROVE.

To Kris Tidewell...  first off I checked the company directory and you are no where on there, so what you've said tells me that this is probably a manager or a GSM just trying to build up the company.

I have work at this company for quite some time.  I started when I thought we were actually selling a good product.  The mailers were good but the way they represented them to the public and how we were told to sell them were not.  This company is going down faster than the Titanic...  The competition is getting extremely tight with a new company running commercials every few weeks it seems.  My main complaint with working at this place is that now we are quoting nothing but our Power Train service programs.  They are not worth the paper they're written on.  The mark up on this program is absolutely absurd and we're selling it $2,000 over and above what  US Fidelis pays the insurance company.  Personally we should not cover any vehicle that is older than a 2000 because it's not worth anything anyway and the program we have for that won't cover anything anyway.

I chuckle every time I pull into the lot and notice a sea of Luxury vehicles (more BMW's to count, Hummers, Jaguars, Escalades and Mercedes) parked in all the "reserved managers" parking spots.  Then you go over the where everyone else parks and it normal everyday cars.  My point is that I'm not jealous it's the fact that this company has made 100's of millions of dollars and they've only been around for 6 years????  Can you say HUGE RED FLAG!!!!  We're not dealing with Bill Gates type of people here, more like OJ Simpson. God only knows how many skeletons are still in the closest. 

They tell us that they are trying to improve the company in the way we do things.  My BIGGEST problem is that we sell a customer who drives a 1996 Ford Explorer with 180,000 miles and worth maybe $900 on a a policy for $2,495, but neglect to tell them that we will only pay what the car is worth.  Now how honest is that!!!!!! Then management justifies this by saying it's in the contract in fine print at the very bottom.  It's a joke...  Last year I over heard a manager say he was quiting because the owners are nothing but scam artist.  Come to find out he came back 6 months later because the company he tried starting failed and they placed him back into upper management....  Think of the character from the movie Meatballs with Bill Murray

I pray everyday that I find a new job and when I leave this place that it's the last time I have to scam someone out of their money.  If I didn't have a family to feed I would leave this place in a heart beat, but I'm force to stay here and do this for now.  My thought is if I'm not doing it someone else will.  I also wish I could contact every person I've sold a policy to after I have left and tell them to cancel because they have about a 3% chance of any part being covered by that P.O.S. policy they purchased.

This place could care less about their customers all they want to do is line their pockets with your money......

I just looked up the price of Alternators for 1994 Hyundai, granted I had to assume the model to be Elantra and the more common motor (80% of of em have it). The Alternator is $100.99 plus a $20 Core charge. Mechanics don't charge a Core Charge as they wil return the old Alt. themselves. They may add 20% or so Profit though.

Mechanics charge anywhere from 40 to 120 dollars per hour for their service. And they have a big book that tells them how many aprox hrs a given job takes. Alt replacment is a 2 hr job. So if you think your Alt Repair was $1300 and US Fidelis Paid it, check yourself into an insane asylumn.
 

I happen to be a single mom with 4 boys who will be able to take care of auto repairs once they're old enough to grab a wrench...I've got a whole lot of engineers in the family up north...thing is that they all live about 1500 miles away so they can't help down south...

So I have to ask, "What if the customer WOULD call with the car up on the blocks?" It takes about $1500 to get the transmission repaired, and then (as if you didn't know this?) single mom's know other single moms... who might have decent cars but believe in the product after they've had friends pulled in off the side of the road.
Friends, Mom's, Dad's, siblings, extended relatives...? I know I've sent over 500 people to AAA after they've towed my car the first of four times allowed...annually I pay $100 and if I have to use the service just ONCE, it's worth it so that my friends and relatives don't worry about me. I'm currently doing research on things I could offer on a support site for foster kids...and there are over 600,000 across the nation. This company might get a whole lot of good business from me in future if they could get things figured out about what and how they offer in the way of services.

I heard the commercials from the Wallace family, and my family designs the Chevys...I thought it sounded like a good deal? But something I've recently learned from another bill payment is that I can't stop payment on a debit card, only if it's a check. Head's up guy's this economy has alot of people hurting...even companies.

I'm not going to say im so and so from a different state and pretend to be a satisfied customer. I will straight up admit that I am a proud employee of Us Fidelis and all though we have had a troubled past we as a company have taken countless efforts to ensure that we do not mislead consumers in any way, shape,or form. We clearly and completely explain to every customer the probationary period before there policy kicks in and for those of you who think that there is something wrong with a probationary period then your not really doing to much thinking. Thats just to make sure that someone isnt calling us with there car sitting on blocks (makes sense doesnt it). Also yes in the past Us Fidelis has used not so honorable marketing teqniques but we live and learn right and they have honestly made ammends for the marketing . We treat every customer with the respect and honesty that they deserve and for those ex-employees that have posted bad reviews about Us Fidelis you have no idea about the countless efforts the company has taken to ensure that no consumer is mislead in any way and that they are making an informed decision when purchasing from us. I am not only a proud employee I am also a Customer of Us Fidelis and have filed several claims. I encourage any former employee to give Us Fidelis a call and listen to the way that we now conduct ourselves as a company and if you feel mislead at all then feel free to post whatever you would like. As for the BBB if Us Fidelis signed up as a member and paid them then they would certainly have a satisfactory rating and the BBB is a multi billion dollar company that profits off of other companies and guess what there not even a member of the BBB so who is to regulate and grade them as a company. So in closing if you think anything I am saying is not 100 percent the truth then call them for yourself noone can make you buy anything but just listen and see if your mislead in any way.

I want to first off all say I want to apologize for any hassel anyone has gone through in the last years of setting up coverages with us fidelis...Not only did they make us mislead customer they also treated there employees poorly, I am in a bigger finacial whole because of them and there pay scale....For the gentlemen who mention that the company was CLOSED ON JULY 3RD, so them saying they received it on the 3rd is BULL....i will say this we were suppost to let EVERYONE know about probational periods, that was wrong for that rep not to explain that, ask them to pull the calls if anyone has any issue, all calls are recorded.....thanks, i am actually check into filing legal action myself for the way i was treated, and since i stood up for myself i was fired....

I want to first off all say I want to apologize for any hassel anyone has gone through in the last years of setting up coverages with us fidelis...Not only did they make us mislead customer they also treated there employees poorly, I am in a bigger finacial whole because of them and there pay scale....For the gentlemen who mention that the company was CLOSED ON JULY 3RD, so them saying they received it on the 3rd is BULL....i will say this we were suppost to let EVERYONE know about probational periods, that was wrong for that rep not to explain that, ask them to pull the calls if anyone has any issue, all calls are recorded.....thanks, i am actually check into filing legal action myself for the way i was treated, and since i stood up for myself i was fired....

I want to first off all say I want to apologize for any hassel anyone has gone through in the last years of setting up coverages with us fidelis...Not only did they make us mislead customer they also treated there employees poorly, I am in a bigger finacial whole because of them and there pay scale....For the gentlemen who mention that the company was CLOSED ON JULY 3RD, so them saying they received it on the 3rd is BULL....i will say this we were suppost to let EVERYONE know about probational periods, that was wrong for that rep not to explain that, ask them to pull the calls if anyone has any issue, all calls are recorded.....thanks, i am actually check into filing legal action myself for the way i was treated, and since i stood up for myself i was fired....

I want to first off all say I want to apologize for any hassel anyone has gone through in the last years of setting up coverages with us fidelis...Not only did they make us mislead customer they also treated there employees poorly, I am in a bigger finacial whole because of them and there pay scale....For the gentlemen who mention that the company was CLOSED ON JULY 3RD, so them saying they received it on the 3rd is BULL....i will say this we were suppost to let EVERYONE know about probational periods, that was wrong for that rep not to explain that, ask them to pull the calls if anyone has any issue, all calls are recorded.....thanks, i am actually check into filing legal action myself for the way i was treated, and since i stood up for myself i was fired....

Go to www.WarrantyBureau.com US Fidels has been Black Listed. US Fidelis has been lying to consumers for years. We were trained to lie / deceive. Our website shows how the employees are trained.

I just got off the phone with this company and I have to say my "SCAM" alert antennae were buzzing. The whole "buy now and you won't have to get an inspection and odometer verification" just stinks of illegitimacy, as does offering a lower price for buying now. Car/health/life insurance companies who base their policies on actuarials do not do this. When I remarked about wanting to read the exclusions and limitations in writing before making a decision, the tone changed considerably. She asked why I needed to do that since she had just explained the littany of what's covered. I said that I wanted to know if there were any requirements regarding maintenance since I do all repairs and maintenance on my vehicles myself. That's when she said, yes, I will be required to have all maintenance and repairs done by an ASE certified repair center and could not do my own oil changes anymore. I said I didn't think the policy was for me and she offered to send a sample warranty via e-mail. I said I was still not ready to commit over the phone and would review the materials. She then lowered the price of the first quote by $500 and said she would hold while I reviewed the sample, at which point I said, sorry, but I will do it on MY time, not hers. She then asked if she could call back in an hour. I said no. Then she asked to call back on monday. I said if I was interested I would call her back and then I hung up.

Any company that uses such high-pressure tactics just to get customers is shady. And giving quotes sight unseen and then lowering them significantly within minutes is shady. I will not be doing business with this company and I warn others not to, as well.

I have gotten the run around from an insurance company and it resulted in an unnecessary $1200 rental car bill. The guy on the other end kept saying that he never got the police report for the accident. Here's a lesson to you all, especially when they don't "get" something several times:

Do what I did. ask for a fax number, set the fax on autorepeat and send him/her about 80 copies(of a 6 page report).

Did he get it the next day when I called? Yup.

I saw the commercial online as well, however no one I know has US Fidelis. So doing some checking around, and I've heard more complaints than anything else. The posters in here seem to have a "magical" time with this company, and EVERYONE in the real world knows there is no such thing when it comes to automobile warranties and the repairshop. So, when yall start talking about how great this company is, and you want us to believe it, include some negativity in your GLOWING reports. I will never pay money for a website that has such a poor professional feel either. I can design better crap than that.

Like others have said, I saw the commercial on TV and was curious as to what this service was about. The wording was a bit different on some aspects, but the call was pretty much the same as others have said. I was warned that the quote that I was receiving was valid only on that call, but nothing was said about blacklisting. I was put on hold while the representative "reviewed what plans I was eligible for", and then I was transferred to the warranty department before he gave me any information. This was my first red flag. If he wasn't even going to tell me the plans I was eligible for, why would he even look them up?

Anyway, before he transferred me he accidentally hung up on me. I was really interested in seeing what this plan had to offer, so I called back. While I was on the phone with another representative explaining what had happened, he called me back 3 times back to back, and I had never even gave him my phone number. This was red flag number 2. First of all, very few businesses have a caller ID system set up, and the ones that do don't allow the numbers to be reviewed after the call has ended. I immediately became weary of a possible phishing scam. Secondly, he called me back repeatedly and left voice mails. Three times back to back to be exact. Why would a company go through this much effort? Obviously I was interested in learning more or I wouldn't have called. And I was capable of dialing the phone once, why would I not call them back if I was still interested. And finally, I did answer the call when he called back on the third time, and I informed him that I was on the other line with a different rep who was transferring me to the warranty department. He was very adament that I allow him to transfer me, and let that other call go. So, I'm thinking he's worried about commission if the sale is made, however, he didn't really do anything to deserve it in my opinion. He didn't give me any information, all he did was take my make/model/year, name, and mileage. So, at this point, I was pretty leary of any transaction occuring.

I then got the warranty department. As somebody else mentioned, she started off very friendly. Saying that my '98 Caravan was a nice vehicle, and did I plan on keeping it for a while? Don't get me wrong, I think it's a nice vehicle, but it's over 10 years old. I wouldn't expect a stranger who had never seen it to think so, and at this point I'm thinking she's trying to butter me up. Like somebody else, she explains that the warranty is a powertrain plus warranty and covers the high dollar repairs that might need to be made to the vehicle. She then tells me the price, and offers a budget plan. At this point she becomes aggressive about getting my credit card number.

I'm no spring chicken, and have fallen for my share of offers that were too good to be true, so I asked for more information. I asked what the limitations were, what the waiting period was, cancellation policy, and asked if I could see the policy in writing so that I could read the fine print for myself before I made the decision to invest in this purchase. At this point she stated that the warranty covers only the specific items listed in the contract, and rattled off the list. Then again, asked me for my credit card information. I could tell that she was just pushing for a sale, and I refused to bite without seeing it in writing first, so we went back and forth several times with me insisting that she provide me with something in writing first, and her insisting that she had given me all the information I needed. With each exchange she became more hostile and agitated, and finally she gave me the website address before asking for my information one final time. I politely thanked her for her time, but told her that I was declining to give her any information until I reviewed all the details of the purchase before hand. I wished her a good evening, and then hung up on her before she raised her voice at me again. This is unacceptable.

For those that are so adament to defend this company, if you are not one of these hostile and pushy employees that I just dealt with, then have you had to use the service? Were you allowed to inspect the contract before purchasing it? Were the sales staff upfront about any limitations to the warranty prior to purchase? Because for me, none of these things happened. No, I am not a person who has a bad vehicle I'm trying to save some money on repairs, I'm simply an educated consumer who wants to know all the details of the purchase prior to purchasing it. Any company that becomes hostile when asked to provide these details obviously has something to hide, and is not a company I want to do business with. Unfortunately there are many consumers out there that are not as cautious about making purchases, and I feel sorry for anybody who has not learned that costly lesson yet. Companies such as this thrive on that ignorance.

By the way, I did go to the website she referred me, to www.usfidelis.com, and no where on there does it offer specific information on the benefits and limitations of the warranties. It only refers you to the 800 number, where the employees cannot or will not provide this information either.

Please go to the following websites:
stltody.com this is the St. Louis Post Dispatch who has ran stories on this company for about the past month. Be sure to do a search on their website for us fidelis. Also read 'from prison to the pinnacle."

Also note that the Missouri Deparment of Insurance had a subpeona served to this company's president and vice president and the "owners" did not show up for court. It is rescheduled in May. Forty attorneys general are investigating this company. Here is a link of footage from a St. Louis TV station where the reporter is interviewing the Missouri State Attorney General: http://www.kmov.com/video/?z=y&nvid=356320 . If you search that website you will see other stories on the company. Also go to another St. Louis TV station:
http://www.ksdk.com/news/local/story.aspx?storyid=172195 please read the article and watch the video.

Also the Today Show did a segment on them which aired on April 23.
I have no idea why Rusty Wallace would have them on his son's racecar.
Maybe he didn't do his homework. I doubt they will be on his car next year.


The remainder of this post is in response to Greatgreen22.

Let's do some figuring. Say you have a 1994 Hyudai Elantra--4 door Sedan in *Excellent* condition with 100,000 miles on it. It has air conditioning, power steering, AM/FM Stereo, 4 cylinder-1.6 engine. The Blue Book Value of that car is
$1650. The AutoLifeXtend warranty is probably the only one that could be offered for this vehicle and it costs $1995.

Wait...the warranties that US Fidelis sells ONLY COVERS THE BLUE BOOK VALUE!
OMG! So it will ONLY cover $1650 in repairs and then the warranty is VOID. The warranty costs
more than the car is worth, also!

Greatgreen22 uses the same verbiage that all of management at US Fidelis use and all the verbiage that is taught in the training classes. Obviously a USF manager using a cover saying they are from California. I see them all over the internet. You will see the same exact posts on other consumer advocate sites but using a different name and from a different area. They aren't very clever; except for ripping people off.

Please go to the following websites:
stltody.com this is the St. Louis Post Dispatch who has ran stories on this company for about the past month. Be sure to do a search on their website for us fidelis. Also read 'from prison to the pinnacle."

Also note that the Missouri Deparment of Insurance had a subpeona served to this company's president and vice president and the "owners" did not show up for court. It is rescheduled in May. Forty attorneys general are investigating this company. Here is a link of footage from a St. Louis TV station where the reporter is interviewing the Missouri State Attorney General: http://www.kmov.com/video/?z=y&nvid=356320 . If you search that website you will see other stories on the company. Also go to another St. Louis TV station:
http://www.ksdk.com/news/local/story.aspx?storyid=172195 please read the article and watch the video.

Also the Today Show did a segment on them which aired on April 23.
I have no idea why Rusty Wallace would have them on his son's racecar.
Maybe he didn't do his homework. I doubt they will be on his car next year.


The remainder of this post is in response to Greatgreen22.

Let's do some figuring. Say you have a 1994 Hyudai Elantra--4 door Sedan in *Excellent* condition with 100,000 miles on it. It has air conditioning, power steering, AM/FM Stereo, 4 cylinder-1.6 engine. The Blue Book Value of that car is
$1650. The AutoLifeXtend warranty is probably the only one that could be offered for this vehicle and it costs $1995.

Wait...the warranties that US Fidelis sells ONLY COVERS THE BLUE BOOK VALUE!
OMG! So it will ONLY cover $1650 in repairs and then the warranty is VOID. The warranty costs
more than the car is worth, also!

Greatgreen22 uses the same verbiage that all of management at US Fidelis use and all the verbiage that is taught in the training classes. Obviously a USF manager using a cover saying they are from California. I see them all over the internet. You will see the same exact posts on other consumer advocate sites but using a different name and from a different area. They aren't very clever; except for ripping people off.

Please go to the following websites:
stltody.com this is the St. Louis Post Dispatch who has ran stories on this company for about the past month. Be sure to do a search on their website for us fidelis. Also read 'from prison to the pinnacle."

Also note that the Missouri Deparment of Insurance had a subpeona served to this company's president and vice president and the "owners" did not show up for court. It is rescheduled in May. Forty attorneys general are investigating this company. Here is a link of footage from a St. Louis TV station where the reporter is interviewing the Missouri State Attorney General: http://www.kmov.com/video/?z=y&nvid=356320 . If you search that website you will see other stories on the company. Also go to another St. Louis TV station:
http://www.ksdk.com/news/local/story.aspx?storyid=172195 please read the article and watch the video.

Also the Today Show did a segment on them which aired on April 23.
I have no idea why Rusty Wallace would have them on his son's racecar.
Maybe he didn't do his homework. I doubt they will be on his car next year.


The remainder of this post is in response to Greatgreen22.

Let's do some figuring. Say you have a 1994 Hyudai Elantra--4 door Sedan in *Excellent* condition with 100,000 miles on it. It has air conditioning, power steering, AM/FM Stereo, 4 cylinder-1.6 engine. The Blue Book Value of that car is
$1650. The AutoLifeXtend warranty is probably the only one that could be offered for this vehicle and it costs $1995.

Wait...the warranties that US Fidelis sells ONLY COVERS THE BLUE BOOK VALUE!
OMG! So it will ONLY cover $1650 in repairs and then the warranty is VOID. The warranty costs
more than the car is worth, also!

Greatgreen22 uses the same verbiage that all of management at US Fidelis use and all the verbiage that is taught in the training classes. Obviously a USF manager using a cover saying they are from California. I see them all over the internet. You will see the same exact posts on other consumer advocate sites but using a different name and from a different area. They aren't very clever; except for ripping people off.

The internet is comprised of websites with factual information, websites with information that tries to appear to look actual, and websites with user generated content. You just can't trust all the "Ex employees" out there that could be members of the competition. It's true some of the positive reviews could be people who work for the company trying to make the company look better. But what it comes down to, are the accounts of people like myself, average consumers who are grateful to US Fidelis for providing very valuable extended auto warranties, saving thousands of dollars. In my case, my alternator went bad in my 1994 Hyundai which ended up costing over $1,400. Luckily my warranty was in place and US Fidelis paid the bill. Also, US Fidelis spends thousands of dollars on TV advertising throughout the country and has NASCAR sponsorship. You don't see many scam businesses doing this, that is why I felt I could trust them.

I saw the commercial today with the race car drivers on The History Channel. I was a little curious as I had never seen them in Utah, where I reside. but when i see they are sponsoring a racing car, there name is all over the side, that's big advertisement and anyone doing that would lose out big in the end if they ripped everyone off.

If they were a young company that no one knew about i might be suspicious, but they were on national television, advertising with professionals that truly back them up...many names on the table and many names that could be smeared if they were not legit.

I don't know either way, but i was pulled in toward the add, nevertheless I probably wouldn't buy the product just because of the discrepancies here, even if people are falsely saying they worked there or had the product, the fact is, someone was felt they were scratched wrong and a good company will take care of their customers no matter what, when this is done, complaints like these never exist. I have never heard of it here and Utahns are very careful with companies like this..who knows..its such a shame it came to this and they are being smeared on the internet, even if they are a good company.

I was intrigued by the commercials I had seen for US Fidelis, and knowing well enough to do my homework, I checked ROR first. Some of the ex employee comments are spot on, down to the pre-sales script verbatim. My vehicle, an 8 year old US-Built sedan with 110K miles (Well within the advertised
I got a man by the name of Jason, who was very polite and courteous, and started the conversation off with a bit of brief chat; he had lived and worked in my area for some time. He explained the package, and when it came down to "free rental car coverage" I asked what the limitations were. In my dealings, most warranties provide a loaner vehicle for the duration of the repair or a set sum (Between $500-$1000). US Fidelis offers a vehicle for "$35 per 4 hours, a maximum of 3 days or a maximum of $150, whichever came first". To be honest, I was a bit shocked and noted my dealings, Jason became very aggravated, with his tone of voice changing drastically. To put the situation at ease, I jokingly said "Well then I'd get 3 days of rental vehicle and 5 days of walking, should the transmission fail under your coverage." This put him over the edge, suggesting I "buy a more reliable vehicle if I expect the transmission to fail." At that point I went silent, never have dealt with such abrasive sales people, let alone someone who just seconds later was foaming at the mouth for my credit card details. I told him to remove me from any potential further contact, and if I was desperate for coverage I would contact them back. Jason tried to further threaten the "blacklist" rule, and at that point I simply hung up.

For potential customers of US Fidelis, I IMPLORE you to do the exact opposite. If a company is reputable and does it's business ethically and honestly (Which in today's market is hard to come by), they won't bully you or threaten you, and they certainly wouldn't become angry at a customer making a note regarding the service or item they had full intentions of purchasing.

Yours always,
John Q. Public

I have seen your posts on various consumer sites upholding US Fidelis. After reading your post again, I have drawn to conclusion that you are a US Fidelis employee and most likely in management there. You are JetJockey47 at (((Redacted))) and I am sure you have left your same bogus post on other consumer advocate sites.

US Fidelis can lie like a rug when they sell their products; but they can't get away from the phrases and verbiage that has been imbedded in their brains. This is from either 1)being brainwashed in training sessions, 2)being a management person who sees that the employees carry on what they were brainwashed to do, or 3)the dictator who lays down the brainwashing rules.

I will ALWAYS look out for the underdog. Yes, I am a mad former employee. I am mad that this company takes advantage of people every day. They take advantage of unsuspecting people, elderly, poor, and the unfortunate. Surprisingly in our country there are still people who are naive, trusting, etc. and are prey for companies like US Fidelis. This company counts on this.

I saw too much not to speak out and I will continue to do so. I will think of my parents, aunts and uncles and my 90+ year old grandma. I will think of my friends who struggled to raise their families whose kids are now struggling even more. I am doing this and will continue to; for all those people and more. I don't have money to make a commercial; so YES…I will use the internet.

If you have unsuspecting friends and family, **Especially** unsuspecting elderly. please warn them.

Here are some more rip-off's powered by US Fidelis. They are designed to pull names and addresses to mail marketing materials through the USPS. Their marketing mail is deceiving as well. Some people think it is from the car manufacturer or from the dealership.

(((Redacted)))

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.

Since I was an employee at US Fidelis AKA Dealer Services AKA National Auto Warranty Service and saw the way they ran business first hand, I felt it was necessary to inform the public. If I had alot of money I would run a commercial on TV back to back with their commercial telling the inside story.

I don't have the money, but I have the internet. IF ANYONE DOUBTS what I post here; take the time to go to ALL the links that I have provided. Not just the Better Business Bureau; but the government links as well. The Better Business Bureau is indeed a business; but they are a CONSUMER ADVOCATE. This means they are looking out for the consumer. There is no business or government that is 100% right; we do not live in a perfect world.

I am not a disgruntled employee. I am just trying to help out people like myself, my friends, and my family. I saw what went on at that company and it wasn't ALL bad; but abouy 75% of it is.

Also, to the person who posted they have had US Fidelis "for years"...the company just recently changed its name in December. They did sell US Fidelis policies under the Dealer Services name for a while, but that was within the past TWO years.

***When I read the positive posts it sounds too much like a management person from US Fidelis itself. The reason I say this is because of WHAT they say...it is the same things they tell us in the training sessions they have for their employees. They make the same points on their postings that they do when they try to persuade their employees that what they are doing is ok.*****

I'm 62 yrs old. I am NOT in the car business nor have I ever been. (Maybe I should have after reading below?!)

I'm on my 45th car. Yes, I'm CAR CRAZY ! You do the math. Assuming 18 when I got my drivers license, I've averaged at least a different car (some new, some used 1-5 yrs old ) each year. This is no BS folks.

I've bought about 50% new and 50% used. I've sold the majority of these cars outright as opposed to trading in (you loose your shorts every single time if you trade in with ANY dealer, so it didn't take me long to figure that one out!). Why give someone else your hard earned cash and paid in equity?

Now, in regards to after market warranties. I'm a very stong believer in them IF you plan to sell your car AFTER the factory warranty expires. If you are a second owner, make SURE you check the factory warranty. For ex: Hundai/Kia does not pass on full 10yr/100k mi warranty if you are 2nd owner and factory warranty is still in effect. READ THE FINE PRINT !

If you flip cars as often as I do, maybe you should lease? Maybe not. It depends on whether or not you enjoy the hastles of listing and waiting the time it takes to sell your car or not? Some do. Some don't.

If you purchase a dealer extended warranty at the time of a NEW car purchase, you will pay the least amount as opposed to waiting until the day before it runs out. Then you will pay much more whether it's at the dealer or aftermarket warranty company. Why? Because the car is older that's why! It's called wear and tear.

Also, if buying used and out of factory warranty, do YOU want to buy a car that has been abused or driven by a crazy person who burns rubber at every stop? How do you know it HASN'T been done if you are buying used? I don't. That's where an aftermarket warranty company comes in. Oh yeah, buy the way, whatever company you decide to use..THEY don't know your car history either, and they don't know if you are telling them the truth or not. There are two sides to every story. Let's hear the other side too.

Also remember that the dealership car F&I manager makes his salary and bonus based on how much he can charge YOU for this warranty (new or used car). So you can negotiate and I would. I have only purchased a couple of warranties this way. I prefer aftermarket companies myself. I do the research myself, thank you very much !

Most of my aftermarket (after factory warranty expired) warranties I have purchased over the years (I've done this a few times folks) I have always shopped around. BUYER BEWARE ! Most people don't I've found. Way too trusting these days

I've been in business awhile (41 yrs to be exact) and it has been my experience that the BBB may not always be the MOST reliable source to get your info. WHY YOU ASK? Because they are a BUSINESS. Repeat BUSINESS. The second word in BBB is BUSINESS. That means they are about MAKING A PROFIT. They are NOT a NOT FOR PROFIT OKAY?? The BBB is looking for members and/or subscribers first and foremost. They can be your friend or your worst enemy depending on what side of the table you are sitting on. Yes, they act as a consumer advocate organization and they do that pretty well, but let's remember they are just like US Fedelis or any other business that's in BUSINESS ie: to make a profit. You can do it honestly or not (ie: lie, cheat, steal, etc.). Either way, you will Reap what you Sow Look at all the crooks being exposed right now at the highest levels of business?

I've checked out US Fidelus. I don't know them from Adam okay? Never worked for them, never met the owners. But I did do my research and allot of it. They are basically a broker for numerous insurance companies offering aftermarket warranties. They represent 100's of companies from around the world that insure these kind of products. They are not married to any one company. That is good for you and I, the consumer, because that way they can customize a policy.

All these internet posting that say they are nothing but a bunch of crooks need to ask themselves one question. Do YOU have a DOG in this HUNT? What's your REAL beef? Did you get fired from there if you worked for them? Why all the angry hate emails? Yeah, I read all the states AG's working on complaints. Called the AG in MO. Went on their website,etc. etc. In today's HAVE IT INSTANTLY society, anyone (yes YOU) can be slandered or defaimed in an instant on the internet. Why do paper tabloids sell? DA ! How do you know what you are reading on the internet is the truth, the whole truth and NOTHING BUT THE TRUTH? You don't ! That's why a couple of people out to destroy someone or some business can do allot of damage unless you do your research and ALLOT of it folks.

We all need to take a DEEP breath and look at guilt by association and the Law of Numbers.

It's been my experience that a disgruntled employee (someone who has been fired or quit and is very angry) can have their friends call in as a dissatisfied customer (BBB/internet posts/AG state offices, etc.) and lie, lie, lie. It's amazing how gullible people are on both sides.

I will shop around for my next aftermarket warranty. I will definitely give US Fidelus an honest chance for my business. And, I am close enough where I can go by their corporate offices and visit them face to face BEFORE I purchase anything from them.

Finally, a well known St. Louis family like the Wallace Family does not need the money to sell out to any company much less US Fidelus over some cash to advertise their product.

Rusty and his son Steve are outstanding folks and highly regarded in this community. Do you think their handlers and agents and attorneys have checked out US Fidelus before they entered into ANY agreements to advertise their product? DA ? YEAH ! Come on folks and give me a break !

Go Car 66. Go NASCAR. Yeah, remember? I TOLD YOU I WAS CAR CRAZY! So don't go criticizing me because I like to see cars go ROUND AND ROUND I LOVE IT ! WHAT DO YOU DO FOR FUN ? Chase the little round ball or something else?

Chill out. Peace

You know what I will say is that you have to read the fine print and especially on the bottom.

I never had heard of this company until the commercial had aired.

Is this company an ins company!

I don't know much about them.

Second of all, once again, celebrity race car drivers.About the postings I don't know what to believe.

US Fidelis/Dealer Services has an * F * rating from the Better Business Bureau.
So, you talk about how much business the company does compared to how many complaints, etc.

Consider a company like State Farm Insurance that has 68,000 employees compared to US Fidelis Dealer Services 700. How many more customers do you think they have? How many more phone calls do they handle in a day? How many claims do they pay out? Well, they have an * A * rating.

Sure, they are car insurance not warranty insurance....but we are talking about customer service, being reputable, doing business in an ethical way, not being in trouble with the Attorney General. resolving issues, etc.

I know you work for the company and don't live in Springfield, Alabama as the verbage in your post is the same line of bull that has been told to employees to give to the customer when the start saying Better Business Bureau. Almost Word for Word. Get a Life.

Someone posted that they had US Fidelis for ***YEARS***; how can you have had them for YEARS? They just recently changed their name in 2008; it was Dealer Services. They changed their name because they are in trouble with the Missouri Attorney General and Attorney Generals from other states. I would bet money that you are in management with US Fidelis and are not from where you say you are.

Also, to the one who commented about the Better Business Bureau...It doesn't matter what the ratio of bad reports is.......The company still has an ** F ** rating. All a smart consumer has to do is pull up either Dealer Services OR US Fidelis at the Better Business Bureau to see that. You must be from management, also.

Glad I am out of there. They are the biggest scam artists I have ever come across.

Better Business Bureau website:
www.bbb.org

Missouri Attorney General website:
www.ago.mo.gov

So I started with US Fidelis on Wednesday, and found the company to be great to the employees, but bad to the customers. The employees are allowed to take breaks whenever, are provided free video games, basketball, and workout rooms. I mention this because as much as they do for the employees, they do about half for the customers. We're told the first day that people's coverage will start as soon as they buy the policy.

Here's the kicker, and the rip off. When you call, regardless of the year of your car, or the miles, YOU WILL ALWAYS BE OVER THE CUT OFF. They are called TA's, or Take Aways. You take away their chance to get the deal, then put them on hold for about ten seconds while you "talk to a manager" and then get back on telling them that since you were barely over the limit, the manager is gonna let you get the coverage anyway. The second kicker, is that whatever coverage you can get, you'll be getting the most expensive plan. The presales (who you talk to first) can actually tell you how much the plan will cost you. Basically, the customer does get coverage for the highest price (they have no choice), while we lie to you and then go play Ms. Pac-Man in the break room. I didn't go back for the next two days of training. I'll go back this monday to see if I still have a job, but hopefully I'll be moving onto something better, where I won't have to lie to people. I'm not comfortable with tricking everyone.

They do the TA, to EVERYONE. Doesn't matter who you are or what kinda car you have. You'll always pay the highest, and be over the cut off limit.

I have worked for several warranty companies in the St. Louis area. U.S. Fidelis is as good as it gets. The reason they have probationary periods like that are for these exact situations. These are only protective measures for the company itself and its customers. If you owned your own warranty company wouldnt you do something to protect yourself and your customers? All this does is make sure the money is there to pay out claims for the honest people.

Think about it, if you owned a warranty company and you were taking over 7,000 calls a day and you figure just 1% of those people are trying to get their pre-existing problems taken care of, thats 70 people a day. The average repair bill is $1,000. That would mean you would end up paying $70,000 a DAY in faulty claims.

For a company that takes over 200,000 calls a MONTH and has 800 BBB complaints in 36 months thats a very small percentage considering how many people that were dealt with over a 36 month period. If you do the math thats 7.2 million people. 800 complaints is less than 1% of 7.2 million of the people. The complaints that are there are from people like JrFisherman that get upset that their $2,000 pre-existing condition gets denied and he/she blasts the company on BBB. The ones that aren't resolved are the ones where the person filing the complaint was unreasonable. Unfortunatley you dont get any positive feedback on the BBB, otherwise the positive feedback would far outshine all the negativity from the thousands of people that are benefited from the service each year.

All in all U.S. Fidelis is a great company that provides a very necessary service for many people that would be in a terrible hardship when their vehicle breaks down.

Somebody on here thinks that when you buyd health insurance your not covered from day one. Whoever that is must not have health insurance, 'cause the law of the land says that you ARE covered from day one when you buy health insurance. So you can't compare Health Insurance to Car Warrentys. Its apples and oranges buddy, get a life!

I'm really sad to hear you say this. Both my husband and I have been with US Fidelis for years. Actually most of the extended family has switched to them since he and I have had such good experiences. They've always seemed very clear on their policies and were very helpful when the water pump went out on my Mazda. I even got a rental car while it was getting repaired.

Once again I am sorry to hear this happened to you, especially since I am typically telling people how great US Fidelis is! I'm sure the company's image can't be repaired in your eyes, but if I were you, I'd start looking into your post office, it seems like a lot of your mail goes missing!

Okay, here ,what you should do, First hand, you should filed dispute ,against this company, and get the bank to close existing account, reissye you a new account number. US Fidelis is to GOOD to be true. until you start using the benefits. I what benefits do you have? Did US Fidelis, mislead you? If they did, thats wire fraud, You must look at your paper work, and at the coverages.

I hope, you check the shop, where you took the car or truck in, for service?? If you did not check, with shop, where car, truck is. If the shop dose not accept, US Fidelis as there provider, you are sunk. Some shops, do not accept US Fidelis, as their car warrenty provider.

Most likely, YOU didn't pay attention to the person that was selling you this. I'm sure you probably only heard what you wanted to hear. And the fact that your transmission went out "30" days after you purchased it?..Wow, how convenient for you. So looks to me you knew your vehicle was breaking down, probably lied to the person you were speaking to, hoping that you were going to be covered from that moment...just so you wouldn't have to pay for those repairs. If you ask me, seems like the only person here that's shady..is yourself. Don't go blaming other people for your problem. Why do you think they added that 60 day or 1500 mile clause? So people like you can't take advantage of them. I mean when you sign up for health insurance...do you really think you're covered from the day you purchased it??? NO!! It's one thing to have the protection on your vehicle for the future, but it's another thing to go into it knowing you need it...then when they can't help you because you haven't met their requirements....you turn it around on them. And as far as the "Their a scam, all they want is your money" Well...did they call you, or did you call them? I'm sure you probably called them to set up your coverage. You can't have your cake and eat it too. All I can say is..."shame shame on you".