CAR CARE EXTENDED WARRANTY - CAR CARE WARRANTY - COGENT FINANCIAL GROUP - NATIONAL VEHICLE NOTIFICATION CENTER And VEHICLE WARRANTY NOTIFICATION. VEHICLE OWNER WARRANTY NOTFICATION CENTER ripoff, scam, Phoenix Arizona

I got a postcard in the mail for extended car warranty. My current warranty expires in Feb. 06 so I thought it would be nice to have it. I contacted car care and talked to Kevin Krump. I didn't have the money the exact date that I called and didn't get paid until the following week. He said they could withdraw $284 from my account on Oct.5th 2005(the day I got paid) I told them that would be ok.

It turns out they took the money from my account on Oct. 3rd. I did NOT have money in my account to cover it. The bank covered it BUT I was charged a $30 NSF fee. I called car care and told them they were supposed to withdraw the money on the 5th NOT the 3rd. They told me oh well.

They took out $97 on Oct. 21st. On Oct. 31st(10 days later), they took out another $97 - I didnt have money in my account to cover it - bank covered it but got a $30 nsf charge.

I called car care and asked why they withdrew another $97 because they already took out $97 10 days earlier. They said they were sorry and it wouldn't happen again and that the next payment wouldnt be until mid December.

On Nov. 7th they took out another $97. I didn't have money in my account. Tthe bank covered it BUT again was
charged another $30 nsf fee. I called and they again apologized and said it wouldn't happen again and my next payment will be deducted in Jan. 06. I asked them if they could send me a bill in the mail or if i could make payment online so that I will have money in my account.

Kevin assured me that it wouldn't happen again and that everything was taken care of. I asked if I could get reimbursed with the nsf fees and I was told that they were going to issue me a check. Nov. 14th comes around(7 days later and they again take out $97. I don't have money in my account. The bank covers it but I am again charged another $30 nsf fee.

I just started a new job and this happened at a bad time. I had written a couple of other checks that I had money for BUT because they took out $127 ($97+$30 nsf fee) - 2 other checks bounced and got $60 (2 $30 nsf fees for those checks as well). I started a new job and it takes an extra week to get that first check.

My account is overdrawn $500+ dollars. I go to a check checking place to post date a check to get my account to a positive balance. I called car care again and this time they said they will send me a check for $191 to cover my fees. I asked for Kevin (they said he was no longer working for them or is working in a different department.

I talk to Dawn. I fax her my bank statments and fill her in and she says everything should be taken care of. On Nov.21st they take out ANOTHER $97 - I DON'T have money in my account - the bank covers it but am charged a $30 NSF fee. I call again to complain and they FINALLY suspend my account. She says there was a glitch in the system. I ask for a refund and she says she will send me a refund for $381($284+$97).

I told her that I made 5 payments of $97 and also want to be compensated for $210(7 nsf charges). She told me that I only made 1 payment - the other 4 payments weren't made/covered. I sent her my bank statement and called my bank and had them fax info to car care proving they covered the payments.

Everytime they made a withdrawal - my account was overdrawn and was charged $127, 4 times. I was promised a check to cover my bounced fees BEFORE thanksgiving and still dont have it. I called in the beginning of December, I was told that my $194 check would be sent out before or on Dec. 15th. I still don't have it. The phone # has been disconnected.

I did some research on the internet and found this.
Ohio Attorney General Jim Petro has filed suit against an Arizona company for using deceptive advertising tactics that misled consumers into believing the company was associated with the consumer's auto dealership or the manufacturer of their car.

The lawsuit also alleges that Car Care Warranty, LLC of Phoenix (doing business as Vehicle Owner Warranty Notification Center) telemarketed in Ohio without being registered with the Attorney General as a telephone solicitor. "Our investigation turned up unfair and deceptive advertising and telemarketing practices by this company," Petro said. "Ohioans have suffered due to these bad business practices and I intend to fight for their rights under Ohio law."

An investigation uncovered violations of Ohio's Consumer Sales Practices Act (CSPA) and Telephone Solicitation Sales Act (TSSA) in Car Care's use of direct mail and telemarketing to sell extended service contracts for automobiles. The investigation also revealed that the company is not associated with any auto dealer or manufacturer and that the advertising and sales pitch misled consumers.

Car Care also violated the TSSA by not registering as a telephone solicitor with the Attorney General's Office, failing to maintain a $50,000 surety bond, and not getting written permission from consumers before they billed them for the extended service contracts.

Consumers' complaints state that the extended service contracts would cost approximately $2,000, with a $400 down payment usually required.Some complaints allege that consumers did not receive the contracts in a timely manner or that Car Care did not honor requests for refunds.

Petro is requesting that Car Care reimburse all consumers who have been damaged by the actions of the company, pay a civil penalty of $25,000 per violation for any CSPA violations, and pay a civil penalty of up to $25,000 for each TSSA violation.

I also found on http://www.ripoffreport.com/ that several people have been ripped off as well. one person claims that he used to be an isider and that it is a scam.other people havent been able to get their money back and one person also says that they didnt acknowledge payments. Another person says they have had 10 different #s (they keep getting disconnected) and read somewhere they really dont have a policy in place and that if I take my car in and they do the work(which would be covered by warranty I would have to pay the ENTIRE amount because there is no policy).

I would like to get the money I paid to this company $284 + 5 payments of $97($485) + 7 $30 nsf fees ($210) ($210+$485+$284)=$979 (it would be nice to get something also for the stress and financial problems as well as hurting my credit. Becuase my account was always overdrawn and I didn't have money, it made me cut back on other things/entertainment. I called my bank to make sure they wouldnt close my account! Most banks don't like to see that many bounced checks in a month
period.

I FINALLY got a hold ok Kevin at 866-940-7233 and ask for a FULL refund and he says he needs something in writing and that I would have to put my request on a paper and sign in and mail it because they dont have a fax machine. I do this and now can't get a hold of them. The number isn't accepting calls.

I send my info to the ohio attorney general office since they have a lawsuit against them. I also send the info to iowa attorney generals office. I was told to contact the better business bureau which I did. I get an email from them saying that they can't help me and to contact the arizona attorney general which I did.

I'm waiting to hear back from him now. Since 2004, there have been 110 complaints against the company and 81 in the last year. Here is some info I found. I would like to get my money back $769 back and would also like to get the money I had to cover for the nsf fees. I'm NOT giving up but it doesn't look good.

I wish I would have researched them before signing up with them. I learned my lesson - I will do this in the future.

Additional addresses for this company include:
2375 E. Camelback Road (former), Phoenix, AZ 85016; 4742 N. 24th St. Suite 360, Phoenix, AZ 85016 and 9419 E. San Salavador Dr. #105, Scottsdale, AZ 85258

Additional phone numbers for this company include:
(866) 682-9282, (866) 778-1001, (866) 940-7233, (877) 208-4535, (877) 456-6052 and (877) 647-9257.

This company also does business as:
CAR CAR E EXTENDED WARRANTY; CAR CARE EXTENDED WARRENTY COMPANY; CAR CARE WARRANTY; COGENT FINANACIAL GROUP; NATIONAL VEHICLE NOTIFICATION CENTER and VEHICLE WARRANTY NOTIFICATION.

Does anyone have any NEW numbers/addresses - ways to get ahold of car care/extended warranty or wahtever it is they are calling themselves.

Mark
Des Moines, Iowa
U.S.A.

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