• Report: #632542

Complaint Review: Coggin Toyota At The Avenues

  • Submitted: Tue, August 17, 2010
  • Updated: Thu, August 26, 2010

  • Reported By: Will — South Florida Florida USA
Coggin Toyota At The Avenues
10564 Philips Hwy, Jacksonville, FL 32256 Jacksonville, Florida United States of America

Coggin Toyota At The Avenues Fidelity Warranty Services Coggin Toyota and Fidelity Warranty Services peddle the Great "Extended Warranty" Illusion to unsuspecting customers. Jacksonville, Florida

*Consumer Comment: Will, Make sure to 'Google' this- TOYOTA TWITTER SLUDGE, and go to that site and sign up so you can spread your story....

*Consumer Comment: Karl..the ONLY thing I agree with..


*Consumer Comment: Ronny G, Don't forget to read the prediction that was made in 1956. You can 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and read 'Chapter 17' on the web....

*Consumer Comment: More for Karl...

*Consumer Comment: Karl..you miss the point...

*Consumer Comment: Ronny G, Don't forget to go to the PRIORITY TOYOTA page of Ripoff Report and read the prediction about the collapse of the economy and the stock market crash on August 26th 2007.....

*Consumer Comment: Bravo Ronny

*Consumer Comment: Karl, there is no shortage of idiots...



*Consumer Comment: This report is perfect...

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I bought a pre-owned Honda Ridgeline from Coggin Toyota in late July and what I thought was an extended warranty (5 yr / 60k mile) from an outfit called Fidelity Warranty Services.  After getting home to read the 6-page FWS contract and research the company, I immediately contacted the dealership and cancelled the contract.  STAY AWAY from these contracts, people, unless you understand every word and are still convinced theyre a good deal.  Dont fool yourself into thinking its something its not.

My gripe has nothing to do with losing money (I didnt in this case) it has everything to do with trust.  Call me old-fashioned but I do business with people I trust, and because Coggin Toyota peddles these shameful extended warranties, they are NOT to be trusted.  Go research Fidelity Warranty Services on the internet and youll see what I mean.

What consumers (including myself until now) dont understand is that these so-called extended warranties arent really warranties at all.  In fact the FWS contract clearly states this is not an insurance policy, a warranty, or guaranty What they are is an illusion Coggin Toyota is the master magician, Fidelity is the sneaky prop, and you are the gullible, wallet-opening audience.The illusion goes like this:  Contrary to dealership jargon or your own perceptions of extended warranties, you are NOT extending the factory warranty of your car.  And contrary to whatever coverage you purchased (in my case an extra 5 years, 60k miles), you are likely not covered for repairs up to those limits.  The main reason is because of a convenient yet rarely recognized clause in the FWS contract that says mechanical breakdown (i.e. the failure of a covered part) due to gradual reduction in operating performance as a result of normal wear and tear is only covered prior to the vehicle reaching 50,000 miles.  Put simply, breakdown caused by wear & tear is NOT covered after 50,000 miles those repairs fall squarely on your dime unless youre banking on FWS feeling generous.  And guess what, most factory bumper to bumper warranties run for 36k 50k miles anyhow, so thanks to the clever little 50,000 wear & tear cap, your so-called extended warranty from FWS probably expires around the same time as your free factory one. 

Sure, FWS will cover repairs up to your contract limits if the mechanical breakdown was clearly caused by faulty workmanship or materials provided by the original vehicle manufacturer, but those kinds of problems usually show up very early in a vehicles life and almost always fall under the factory warranty, not FWS.  If they show up later (say at 51,000 miles), good luck convincing FWS that the part failed due to faulty workmanship / materials even though the part survived the first 50k miles and undoubtedly at that point has undergone considerable wear & tear. All FWS has to do is say, Well that bad transmission had some wear & tear on it, so, sorry, claim denied.  

And, yes, keep in mind that FWS decides whether to pay a claim, NOT you, and NOT your mechanic.  Since FWS already has your money, their only real incentive to pay your claim is to not get sued, which isnt much incentive at all since you signed away your rights to a trial by jury and to class action lawsuits when you entered the contract.  FWSs lawyers arent stupid, so youre best defense is to avoid buying FWS contracts all together.  And if you think youre dealership is going to make FWS pay your claims, well think again more than 170 dealerships across the southeast are already in bed with one of FWSs sister companies but thats another story for another day.

When I read the many complaints about FWS on the internet, I often see comments like Fidelity didnt honor their warranty.  But what these people should really focus on is that Fidelity DID honor their warranty They did exactly what their warranty said they would do, which is to deny claims under the 50,000 wear & tear cap. Consumers are understandably upset at FWS because they were sold the illusion of an extended warranty, peddled masterfully by dealerships like Coggin Toyota with words like peace of mind bumper to bumper and best warranty in the business.  Illegal, probably not, but the whole act is unquestionably dishonest and misleading. 

Its a shame that companies like Fidelity build an entire business model around crafting a product that pretends to be something it isnt, but even more a shame that dealerships perpetuate and extend the illusion at the expense of their own customers.  Like so many others, I suppose Coggin Toyota has fallen into the mindset that short-term profits are more important than earning long term trust and loyalty from their customers.  Is a couple hundred dollars profit from some sketchy 3rd party warranty really worth losing my familys business for life? 

If trust is important to you, I suggest you car shop somewhere else and stay clear of any Fidelity service contracts unless of course you enjoy being tricked by magic.

This report was posted on Ripoff Report on 08/17/2010 07:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/Coggin-Toyota-At-The-Avenues/Jacksonville-Florida-/Coggin-Toyota-At-The-Avenues-Fidelity-Warranty-Services-Coggin-Toyota-and-Fidelity-Warrant-632542. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Will, Make sure to 'Google' this- TOYOTA TWITTER SLUDGE, and go to that site and sign up so you can spread your story....

AUTHOR: Karl - (USA)

at that site, okay?

Thank You

******************************  TOYOTA ALERT  *****************************

*Make sure to 'Google' this- ENGINE SLUDGE, and go to the consumeraffairs website about 'Toyota Engine Problems' and read all of the complaints. Don't forget to click on 'Airbags' and read all of those complaints too.
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#2 Consumer Comment

Karl..the ONLY thing I agree with..

AUTHOR: Ronny g - (USA)

..is that this site is dedicated for a place for consumers to lodge a complaint against companies and/or individuals who have done them wrong.

Life is very short so we can only make the best of it. If a consumers life was effected in a negative way due to a deceptive/fraudulent automobile warranty, then we can choose to offer advice to help said consumer..or to help others to prevent falling into the same fate...or, say nothing.

I am not going to devote much more time and effort to try to explain this to you..either you get it..or you don't.

No one really is going to benefit TODAY..from you posting predictions of the damage greed from many years ago has caused today..it is self evident and obvious.

So..offer advice on what this consumer can do to get a bit of recourse, or to contribute so others may avoid this current scam in the future..or continue to soap box where you are not doing any good...and all your vast knowledge will just be a lesson in futility.

"Reality is merely an illusion, albeit a very persistent one." -
A. Einstein

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#3 Consumer Comment


AUTHOR: Karl - (USA)

and spread it all over the worldwide web.

Thank You

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regarding one of the many predictions that Douglas Reed made in his book, which was written over 50 years ago.

*You can also read 'Chapter 15' of that book too. It's all happening right now, wouldn't you agree?

Thank You
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#5 Consumer Comment

More for Karl...

AUTHOR: Ronny g - (USA)

http://www.theamericancause.org/patistheglobaleconomy.htm  (predicted crash Jan 27, 2003 Pat Buchanan)
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=103x301945 (The US economy is Toast-  By Peter Schiff August 15th 2007.(around 10 days before you predicted it here Karl...just 'google' it)

My good friend Ron Paul predicted the Fannie Mae Crash back in Sept, 2003 while addressing the House financial Services Committee...

"Mr. Chairman, thank you for holding this hearing on the Treasury Departments views regarding government sponsored enterprises (GSEs). I would also like to thank Secretaries Snow and Martinez for taking time out of their busy schedules to appear before the committee.

I hope this committee spends some time examining the special privileges provided to GSEs by the federal government. According to the Congressional Budget Office, the housing-related GSEs received $13.6 billion worth of indirect federal subsidies in fiscal year 2000 alone. Today, I will introduce the Free Housing Market Enhancement Act, which removes government subsidies from the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the National Home Loan Bank Board.

Despite the long-term damage to the economy inflicted by the governments interference in the housing market, the governments policy of diverting capital to other uses creates a short-term boom in housing. Like all artificially-created bubbles, the boom in housing prices cannot last forever. When housing prices fall, homeowners will experience difficulty as their equity is wiped out. Furthermore, the holders of the mortgage debt will also have a loss. These losses will be greater than they would have otherwise been had government policy not actively encouraged over-investment in housing."

Want more??? 'You Tube" this..http://www.youtube.com/watch?v=pvlUx5ECD2w (Ron Paul's 2002 Predictions Come True)

I could go on for hours...but there is no point. I don't see any of the other above "psychics" feeling the need to hijack peoples reports on this website. Why do you feel the need Karl?

A few other predictions that came true in 2008 based on predictions from books and websitesfrom 2001-2007

    * Domination of housing and banking problems. Declines in 2008
    * Fall in Asian stocks and European stocks
    * Decline of oil from $145 to $50
    * Fall of Euro, Pound, Swiss Franc, Australian/Canadian dollar
    * US Dollar Index went up from 72 to 89 as predicted
    * Fall of Grains, Coffee and Cotton
    * Rise in Treasury bond up 140
    * Fall in Platinum from $2410 to $900 and copper from $400 to $150
    * Fall in gold and silver from $1000 to $750 and silver $21 to $9.80
    * Fire in California (Month of Oct 2008) and Australia
    * Pakistan election problem and Musaraff losing power
    * Problem in Kenyas general election
    * Castro losing power in Cuba
    * Democrat winning election in USA
    * Obama winning election in tough race with Mrs. Clinton
    * Drastic fall in USA and UAE real estate market
    * Fall in Indian Rupee and Korean Won to historic low, rise and fall of Yen

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#6 Consumer Comment

Karl..you miss the point...

AUTHOR: Ronny g - (USA)

It is irrelevant to this report whether or not you predicted the crash back in 2007. It does nothing to help the consumer lodging this report..so why are YOU taking it upon yourself to use this posters web space as a platform to brag about your predictions?

By the way...seems someone predicted this "crash" LONG, LONG before you did...just 'google' it...And I am sure I could find HUNDREDS more...

In 2002 a book written by Robert Kiyosaki entitled, Prophecy: Why the Biggest Stock Market Crash In History Is Still Coming and How You can Prepare Yourself and Profit from it!

This book was written by Robert Kiyosaki author of the best seller Rich Dad Poor Dad. He talks about in this book (written in 2002), about the economic events that are happening now in 2008. I read this book in 2004 and was not sure if I believed all of it, but I kept the ideas back in my mind. From that point on I have been diligently studying economic trends, with a strong concentration in real estate cycles. The main point of the book is that in 2002 he saw the stock market crashing, like it is doing today (2008), and he provides reason for this market crash and he also discusses what practical things people need to start doing to prepare for this collapse in the economy.

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which came true, okay?

Simply go to the PRIORITY TOYOTA page of Ripoff Report and then to Report #266476, which is entitled- "Priority Toyota Scion- Automax Training Scam" and scroll down to 'Consumer Comment #6' and read the 4th paragraph.

*Here is what was stated at the beginning of paragraph #4 on August 26th 2007 when the Dow Jones was at 13,378 points-

Quote: "I predict that by sometime early in 2009 that the stock market takes that huge hit! After a full year of reality in 2008, the big collapse happens." - Karl. August 26, 2007.

FACT: On March 9th 2009, which was "sometime early in 2009", the Dow Jones closed at its lowest level in twelve years. The Dow closed at 6,547 on March 9th 2009.

FACT: The Dow Jones lost over 50% of its value from August 26th 2007 when that prediction was made to March 9th 2009, which is "sometime early in 2009". It lost 6,831 points. 

FACT: 13,378 Dow Jones close on August 26th 2007 - 6,547 Dow Jones close on March 9th 2009 = 6,831 point loss.

FACT: "The big collapse" did happen. In September & October of 2008 the U.S. Government and the Federal Reserve were both involved in preventing a GLOBAL DEPRESSION by injecting HUNDREDS of BILLIONS of dollars of taxpayer's money into some of the largest banks and corporations in the USA.

FACT: Karl was 100% correct with his prediction and his timing of the "collapse".

Thank You

Quote: "True wisdom comes from intellectual education, physical education, ethical education, and 'ki' education." - Morihei Ueshiba

'ki' (definition) - the subtle energy that propels the universe, the vitality that pervades creation, and the unifying force that holds things together.

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#8 Consumer Comment

Bravo Ronny

AUTHOR: Stacey - (U.S.A.)

Karl is just another jackass looking for attention and NO Karl I will not look at your idiotic youtubes or visit the Merrill Lynch page or whatnot! Your rebuttals are nonsense and help no one!
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#9 Consumer Comment

Karl, there is no shortage of idiots...

AUTHOR: Ronny g - (USA)

..and if you want to toss in the Einstein card...we can use as an example the very first quote that would come up if you ...'google' it..

"Any intelligent fool can make things bigger, more complex, and more violent. It takes a touch of genius -- and a lot of courage -- to move in the opposite direction."

This is a simple report regarding an extended warranty scam. These types of scams DIRECTLY hurt hard working honest Americans.

Now if you think you have "earned" some kind of qualifications to moderate this site because you predicted the collapse of the U.S. economy...well you won't get any medals from me.

If you want to help prevent rip offs more power to you...but please stop minimizing other peoples reports by posting your larger then life information.

Problems are solved one step at a time. No one who was subject to a scam extended warranty really cares about your economy collapse predictions.

Please...I beg you kindly...start your own blog about this conspiracy and you will see results. If you continue to hijack legitimate reports of a local scam with your grandeur...it only takes away from the legitimacy from this site. Are you really too bind to see that?..but yet "claim" to have predicted the economic crash to the second?
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Report #269041 and read 'Consumer Comment #3', entitled- "Blame it on a Lawyer".

Look at the last thing stated in that comment on 8-21-2007 when the Dow Jones was over 13,000 points-

Quote: "Get ALL of your money out of the stock market now! The Collapse HAS been triggered!!!!"

It came true, didn't it? 

The U.S. economy collapsed and the stock market crashed about 13 months after that comment was posted here at Ripoff Report, right? In September 2008, the U.S. economy collapsed and the stock market crashed. On September 29th, 2008, the Dow Jones lost 777 points. 

*Hundreds of billions of dollars in TAXPAYER'S money had to be injected into the some of the BIGGEST companies in the world, like- AIG, General Motors, Chrysler, Bank of America, Citigroup, Chase, Wells Fargo, Goldman Sachs, Morgan Stanley, & others, in order to prevent a Global Depression, correct? 

Maybe we need more "idiots" like Karl, huh?

Thank You
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read 'Consumer Comment 1' for proof. It appears under Ripoff Report #271454. (It starts the 3rd paragraph of that comment.)

You, or anyone else, can also go to the PRIORITY TOYOTA page of this site and read 'Consumer Comment 6', which was posted on August 26th 2007. The prediction that starts paragraph 4 of that comment came true, didn't it?

Maybe we need more "idiots" in the world like Karl so the people in the USA and all over the world will know when the stock market will crash again, and when the next collapse of our economy will take place, correct?

P.S. Don't forget to go to the FUEL FREEDOM INTERNATIONAL page of this site and read what is stated in 'Consumer Comment 3' at Ripoff Report #269041. That comment was posted on August 21st 2007 when the Dow Jones was over 13,000 points. 

As a matter of fact, ALL three 'Consumer Comments' were posted when the Dow was over 13,000 points and near its all-time high close of 14,164 which happened on 10-9-2007.

Thank You

Quote: "Great spirits have always encountered violent opposition from mediocre minds." - Albert Einstein
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#12 Consumer Comment

This report is perfect...

AUTHOR: Ronny g - (USA)

And it is refreshing to see someone who is articulate and truly has exposed a clever SCAM..and has successfully posted it here to warn others. I personally thank you.

Now if some idiot named Karl starts hijacking this report with engine sludge, Obama, poetry, anti-American sentiment and life insurance policies, hopefully the wise will ignore it and learn something that can actually help them NOW.
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