US Fidelis

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US Fidelis, Tier one. Now accepting donations!!
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WENTZVILLE, MISSOURI -- Saw commercial on TV for US Fidelis with Nascar driver Rusty Wallace advertising for them. Must be legit if they have a Nascar right? Well I guess not. I should have just given a check to my local charity because at least I know it would have gone to someone who actually needed it. Not a company who prides themselves on being one of the 'top' warranty companies out there. This is what happened to me and I am sure to a lot of their customers.

I bought a 1998 Jeep Grand Cherokee for my wife to drive. It seemed like a nice vehicle with all the features that we wanted. Paid 3000 for the car, less than the bbv as stated by Kelly Blue Book values. Then I decided since we were running our lives with hardly any extra money, yea I'm going to blame the economy, we would by an extended warranty. I called US Fidelis, who is also Tier One Warranty, and purchased the warranty. They sent me a contract via mail and said I had 30 days to cancel, who has tested that possible lie? anyone? If so good luck.

I read over the contract and saw that within 30 days of contract a local repair facility must do a service on the vehicle and record mileage and vin on their paperwork. They did not tell me this it was written in their long contract. I did so as to not give them an out if I needed a claim. I am sure this is another way they get out of paying many claims. again anyone tested this part of their scam? Back to my story.

I was driving my vehicle 80 miles away from home when the underside of my vehicle caught fire. I pulled over to the side of the road to put the fire out, and with my fire extinguisher put out the flames. I did not attempt to restart the car, which never died, I turned it off. First thing I did was call AAA. Tier one has roadside assistance, so they claim, but decided that I would use AAA since I KNOW they are a reputible company.

Highly recommended to use them, well worth the $125 a YEAR. Towed the Jeep to my local repair shop, which did the first service, and called Tier One. They told me that the repair shop must determine the cause of the failure and report to them with it and also what it would take to repair. The repair facility was very cautious to take on this job. They have done this before with them and had bad results.

I did not have a choice at this point the truck was there and it needed to get fixed. They proceeded to check for what went wrong. First they discovered the engine would not turn. Pulled the starter and decided that the trans needed to be pulled to make sure which was not turning the engine or trans. Pulled out the trans and transfer case, now the motor would turn. Result is that the trans is sized. New trans is needed.

Now they had all the info they needed to get the ball rolling with the warranty co. They called the warranty co. to discuss what needed to be done. After being on the phone for over an hour, the warranty co. said they would send out an adjuster, not a mechanic, an adjuster. The 'adjuster' arrived at the repair facility to check out the vehicle.

Looked over everything and then left. The repair facility received an email the next day saying that the claim was denied because the transmission lines were removed from vehicle and that caused the trans to overheat. Well of course they were removed. Did he not see that the transmission was on the ground out of the vehicle. The cooler lines are only a couple of feet long I don't think they would have been able to reach the transmission at this point.

So here I am with a vehicle that I bought for my wife and kids to drive around in and the only way I can do so is if I pull it with a strap behind by single cab truck, which we all won't fit in. I also have to pay the repair facility for the removal and diagnostics of the Jeep. Lets see I bought the vehice for $3000, paid $2500 for a warranty, paid over $500 for misc. repairs after the warranty to make sure that all was in working order on the Jeep, and now another $750 to the repair shop. That adds up to $6750 for a vehicle that I bought just three months ago.

For that kind of money, $2250 per month, I should be driving a bentley! So I think if you need to spend money on a warranty the best advise I can give is to give it to a local charity. That's where my Jeep is headed. Also Rusty Wallace you should be ashamed of yourself for representing a company that screws hard working Americans out of their money. Very sad that after over 30 years in racing you are siding with a company that does this.

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Anonymous on 07/30/2009:
I guess you'll never choose a company just because they have a nascar driver again. This was clearly an expensive lesson learned and I give you credit for treating it that way. Everyone can learn from your review - always always research a company before you sign up for anything. Don't trust a commercial and a celebrity endorsement.
BokiBean on 07/30/2009:
Rusty is retired now, he's probably going to pull an Ed McMahon and grab any sponsors he can get.

BTW, he was great with MBNA..but they're gone now.
Soaring Consumer on 07/30/2009:
Don't they offer a way to challenge the denial? Maybe a letter from the mechanic would help. Denying the claim for reasons that lack common sense are absolutely ludicrous.
bcd on 07/30/2009:
You paid over 80% of your purchase price for a warranty and an additional $500 for it to qualify for the warranty on an eleven year old vehicle. You could have done a lot better with the $6000.
saj80 on 07/31/2009:
Do some internet research, and you will find that this company is under investigation by the attorney generals of several states for fraud and misrepresentation.
Soaring Consumer on 07/31/2009:
Since they are under investigation, it would be good to file a complaint with your state's Office of the Attorney General as well.

Saj80, VH.
scam detector on 08/20/2009:
The website for the St. Louis Post Dispatch has numerous articles of interest regarding US Fidelis. At their website do a search for US Fidelis. Spread the word!

(US Fidelis is located in Wentzville, MO; approximately 30 minutes from St. Louis)
DigitalCommando on 08/20/2009:
It seems that most of the home/auto warranty providers have learned how to extract maximum income while returning the minimum level of service to keep from being an outright scam completely, you know, just like the health insurance companies.
Helpless in Seattle ~~!! on 09/02/2009:
These fraudulent insurance companies work in all sorts of ways, from the phone, to your mailbox. I fell for one, also, but managed to escape after resorting to reading their 'reviews' on line, fortunately. Came through the mail. The Web is an excellent way to review services of providers, and henceforth, I shall definitely check before buying~~!!
ASE_MasterCertified on 11/25/2010:
I have been in the automotive industry for over 30 years and have dealt with 100's of VSC/extended warranty companies. I find it simply amazing the people here that have purchased a policy, commonly known as a "policy holder", feel they were ripped off, taken to the cleaners, were screwed over, etc., when the plain and simple fact is, they/you were to ignorant, dumb, stupid or just plain lazy to take the time to actually read through your/their policy, and actually find out what you purchased. I also find it amazing that these people have no clue who US Fidelis and Tier One Warranty are. Had anyone checked out the BBB ratings, they will/would find that Tier One Warranty has an "A" rating and are simply a third party administrator who is located in Houston Texas. After doing some simple Google searches, I found that US Fidelis was at one time doing business as "Dealer Services", and "National Auto Warranty" who changed their name as the law suits accumulated, which all have or had an “F” BBB rating. Again, US Fidelis, Dealer Services and National Auto Warranty are all one and the same and are located in Wentzville MO. Bottom line here is - you bought a policy without doing your research as to whom you were purchasing a policy from, what their BBB ratings are/were, you failed to actually read through what you purchased, what the level of coverage is, what the limits of liability are if any at all, if there are any mandatory maintenance service intervals and who the: carrier, underwriter, obligor, and administrator are. I certainly understand you’re frustrated & embarrassed because of your ignorance, but I don’t see where your ignorance is the administrator's or sellers fault.
Anonymous on 06/04/2014:
Tier One Warranty is still at it and it is 2014. I currently have a vehicle that has been authorized for repair and fixed since March 2014 and Tier One Warranty has yet to pay. I cannot get my car out of the shop. The mechanic is threatening me and my vehicle has sat in the mechanic's shop (who knows what they done to my car). I have called Tier One constantly asking about the payment and they stated it is still being processed. I checked online and it has over 60 complaints by others stating the same thing. It either has failed to pay or delayed payment over months long. After contacting several consumer agencies, they stated Tier One Warranty is being investigated for this stuff. It was suggested to make complaints to the local attorney general's office to get other states to investigate too. I went to an attorney who stated I will have to sue them in court, most likely small claims for breach of contract. The attorney told me I can easily win since the company has waited extremely long in making payment. If it does not make payment after I file the small claims suit, then I definitely win. I suggest if anyone else has the same issue to sue them too.
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Scam Artists.Stay Clear Of This Company.
Posted by on
Signed up with these people after seeing them advertised on NASCAR by Rusty Wallace. Appeared reputable. After paying them $1500.00 over time my car developed an engine problem. My mechanic told me it was a rod and needed either a rebuild or new engine. Put in a claim and was told I had to send them my maintenance records showing oil changes for the past 2 years. I keep all my receipts so I sent them what they asked for. Time passed, no response. After numerous attempts to get this issue resolved I was Finally told that I had to have the engine taken apart and diagnosed before they would consider any coverage. A lot of money to do this and no guarantee that they would cover it. They are liars, con men and scam artists led by a felon. Unfortunately I learned this $1500.00 too late.
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idontthinkso on 10/31/2010:
Sounds like lawsuit time.
Anonymous on 10/31/2010:
This company is one of the BIGGEST warranty scams out there. The owners live in 20 million dollar mansions, drive million dollar luxury cars....oh and one of the owners is a criminal who did years in prison. Just look them up. they made their millions screwing people out of these warranties. These warranties are not worth the paper they are written on. they've changed their names so many times its not even funny. Just look up US fidelis. It says it all. My suggestion for people- instead of throwing your money away into these warranty companies, take the money, but it in an interst-bearing account, and save it for whenever a problem arises with your car.
Anonymous on 10/31/2010:
I'm not sure how this company is even still in business. I thoguth they would have at least been shut down by now, or went out of business, but apparently people are still getting suckered by these thieves.
leet60 on 11/02/2010:
This company was featured on the Today Show and some other national media in regard to being a scam. The Attorney General in their home state has filed an action against them.

There is also a class action suit, not sure if it is yet resolved but more information is here:
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