I thought the dealer I purchased my vehicle from was a fraud and I did not believe them when they told me the warranty company was a fraud. Turns out they both are. I tried to cancel my contract with them but it had to be done from the dealer. The dealer refused which was illegal but that's how it was. There was nothing Royal could or would do but give me a week extra. It turned out that I might actually need to use their warranty and I told them but I never did because I was on hold so long I just hung up the phone. A few days later they told me they canceled it. I was happy but it's funny there was no possible way to cancel it until they got word I may actually need it. I spoke to somebody at their office who stated they refunded my warranty 100%. I understood and confirmed there was a 50$ cancellation fee and I asked so XXXX$-50$ was sent to the bank? They told me they could not say that information. I figured I'll wait and see but did not think they would scam me. I knew it was entirely possible but when I called my bank they told me they received about half. There's no where in the contract that says 100% refund has a 50% fee with it. .......
So the status is that I ignorantly signed up with a weak warranty. I struggled to cancel it immediately and in the end they only refunded half. This means for absolutely no service and before service officially started I paid this company about a grand.
It's a strange business. I will include all the names below. When trying to cancel I called them and asked if they were in the office and they said yes. I drove down there and nobody was there. I called and they said they were there but said they could not open the door. I looked in the back window and just saw bags full of shredded documents.
It seems as though this company might not exist at all. Luckily I live close and I don't think they expected me to go there but I understand people from all over the country have problems with them and would never have the chance to go the physical location.
I now understand why they go under so many different names. Which is the following starting with mine:
People's Vehicle Protection, Service Shield, Integrity Automotive Protection, Buyer's Choice, Capital Care, and GEM Care Extended .......
Google the website and the word profits and you will see in bold print "Royal service contracts contribute to the highest dealer profit margins in the industry". What that means is they know they do no service and loophole out of any services. This is a statement made for dealers because in the end they pay the dealer a major (the highest in the industry) portion of the profits they scam from people. Everybody says these things are scams and everybody is correct. I wish I knew this before hand and I really hope somebody gets this information before they sign up.
They are stealing money from people. What really blows my mind is if they are going to steal my money then they should steal it all and not half. There is no rebuttal until I receive the other half. They would like to shift the blame but they already stated "they" sent 100% back to the bank. My service never even began and they took half my money.