Choice Home Warranty SCAM from trick to trick Edison NJ

Choice Home Warranty (CHW) is considered as SCAM business as evidenced below:

Trick 1: CHW sends you promotion via email that shows the first month free when you sign up for one year agreement but turns into last month free when you request a cancellation. In addition, they will provide their favorable sites such as ‘Consume Report’, Angie’s List’ where you may find top raking for CHW for misleading info as compared to fair public score (a non-accredited business by C+ with 1690 complaints in history) from bbb.org.

Trick 2: No where you can easily find policy cancellation fee that is often ignored by many customers, whereas you will be told there is no cancellation fee on phone. But definitely they will charge you $50 cancellation fee that is a tactic to hold you at the first stage.

Trick 3: You cannot find any limit for A/C in service agreement, which however, applies based on the cap that is up to $1500 from heating section. Besides, CHW did not clearly tell you if the issue is covered on phone and simply send contractor on-site that costs you $60 for sure. Once ended up with no coverage, they earned business with their vendors and you gave away your co-pay. Tank leak from water heater is a good example. They did not clarify at the beginning and denied afterwards. When you realized it is not covered but $60 has gone. As side note, the estimation for serving water heater is typically free in industry.

Trick 4: Wen you intend to cancel your membership, they show their “courtesy” by making cash-offer to support your project that is not covered. If you are happy to take it by being told this offer is nothing related to your future choice or cancellation, you virtually fall in next trick.

Trick 5: The cash offer will be certainly deducted from your refund with cancellation. That sounds fair but you have stayed longer along with more prorated monthly deduction (1^st day of each coming month is counted as one full month). Then, you will be convinced to stay due to diminished refund (subtracted from cancellation fee, “courtesy-offer”, and total prorated with number of months). What happens if you insist your cancellation regardless of your loss?

Trick 6: Now, your cancellation will be denied unless you sign a release-agreement that aims at sealing your month of speaking / writing to public about your comments and complaints. In addition, it takes few minutes to talk to sales man but more than 30 minutes to connect to cancellation department where you may deal with tough person who will play all tricks, not limited, as mentioned above.

As you can tell, trick 1 through trick 6 is well designed as a scam-chain that tightly hold you from leaving their business. Finally, I decided to risk my refund but, instead, speak out to public. It is our common interests in stopping such as dishonorable business while developing a trustable community.

Does CHW mind your complaint? Not really since their poor services have been complained so many that they can still continue their scam business no matter what.

Please compare what HCW self-claimed 5 stars services vs public reviews including BBB below.

http://www.choicehomewarranty.com/buyers_sellers_testimonials.php

http://www.consumerreports.org/cro/news/2014/09/why-you-should-avoid-home-warranties/index.htm