Purchased policy 7/6/2020. Realized they were a scam 8/1/2020. Started requesting cancellation and refund then.
After being ignored for months, reached out to the Better Business Bureau. That invoked an immediate promise from them to send a check to title company.
Said check was never received by title company. Weeks later they actually sent a refund check to me that was received 12/15/2020. 4.5 months later. Check bounced today.
Entered into a contract for home warranty via on-line application. Automatically made monthly payments for 8 months before needing service. Requested plumber and garage door repair. They called to say shower diverter not covered under plumbing contract, but garage door repair person would call. No one called.
I called the telephone number listed and was on hold for 10 minutes before the computer finally said no one there to answer phone. I did not have my contract number so did not leave the message requested. There is no email address, or any other form of communication. Only the telephone number. And the telephone is not answered, so basically there is no way to communicate with this company.
I went to the web site to disconnect my automatic payment, and there is no way to change the information. I hit the button saying to terminate the contract, and the message said I would receive an email. I did not receive an email. I did not receive any other telephone calls. I never received any service. And they disconnected my account access. I can no longer get onto my account.
The address they list in New York and the address they list in Las Vegas both track back to law firms, so I think their physical address is only that of their registered agents. I do not think this company exists except as a fraud. This is, in my experience, a scam.
Over a week'so wait, two subcontractors to get my range fixed. It took days and days of calls and threats to get repair done then, surprise! I had to pay a $125 "copay" to the subcontractor-surely in some fine print somewhere. What a ripoff!
After nearly 2 years of paying for a home warranty I finally submitted a claim on November 28, 2016 to have my garbage disposal and a leaky roof repaired. As per my contract I did not receive a call from the assigned technician within 72 hours of my claim. I had to follow-up several times only to be told by the plumbing company that within 15 minutes of submitting my service request through an HSC agent it was cancelled by HSC. I inquired why it was canceled but no reason was given. I resubmitted the service request through their website portal and they finally came out on 12/09/16 only to inspect and not repair. I took a half-day from work off only to be told they would need to come back another day to replace the garbage disposal. The plumber indicated the unit was old and the blades had rusted and stopped spinning. I waited to hear back from the plumbing company to reschedule the appointment but did not hear back from them nor HSC that day. I called back to complain about the poor service and follow-up the same day and was told a supervisor would call me back to address my concerns. On Monday, December 12 I called to inquire status and was told by a representative that my policy was flagged by HSC for fraud and that it was transferred to their fraud prevention department. I requested to be transferred to the Fraud Prevention Department but was told that they could not transfer me. I asked to speak to a supervisor and was told they could not transfer me. I received a call at about 3:00 pm by Stacy Clark at extension 5037 who claimed to work at HSC in their fraud prevention department and that she was the supervisor. Stacy made outrageous allegations that I accosted, threatened, was difficult, and threw the plumber out of my home and refused to pay my deductible. She further alleged that the plumber had secretly recorded me asking him to install a 1/2 hp rather than my 1/3 hp unit and attempted to coerce the plumber in my insurance fraud scheme. They further alleged that the plumbing company had blacklisted me and reported that I threw metal objects down my disposal to intentionally ruin it to obtain a better newer model and that Gennaro Plumbing would never send a technician to my home ever again. As a result my account was flagged for fraud and that no further service calls would be honored pending an investigation. I've paid over $1,000 in premiums, why would I commit fraud for an $80 garbage disposal that I ended up replacing myself and got a better model for the same price. After hearing these ridiculous allegations I contacted the plumbing company (Gennaro Plumbing) and spoke to office manager Patty. Patty denied ever reporting such a thing to HSC and quite the contrary, Patty told me she cancelled their contract with HSC due to unethical tactics, excessively long hold times (40 min plus) and bullying by someone named Danielle. Patty informed me that HSC indicated that Gennaro was their sole vendor in my area and that without them they would not be able to service my claim. Instead Patty suggested to Danielle that they cash me out to have the repair done on my own. Instead, HSC fabricated an ostentatious lie of me committing fraud in order to not honor the service contract and further deny future service requests. In reality they do not have any contractors in my area at all to service me. The two contractors that were assigned to come to my home complained to me that they cannot reach anyone at HSC to get approvals for the work or have to wait over 40 minutes on hold each time so they give up. I believe that HSC intentionally makes it impossible to reach anyone by phone in order to exasperate their clients and vendors so that we give up and not use them for their intended purpose. I've contacted them no less than a dozen times with a wait time of 40 minutes plus and have not received a call back from Stacy nor anyone for resolution. I left various voicemails for Stacy indicating I would be filing a complaint with the Better Business Bureau, New York Department of Financial Services and the California Department of Insurance if I did not receive resolution or a call back within a reasonable amount of time. Shortly after my voicemail I received an email from HSC indicating my policy was cancelled for fraud and threats but then they charged me for my monthly premium within a day. Apparently telling HSC that I would file complaints with the proper administrative agencies is considered a threat. HSC has retaliated against me for simply doing what is within my legal rights to seek timely resolution. I believe they are committing insurance fraud, consumer fraud and bad faith. Flagging people’s accounts for fraud is a pattern of manipulation and bullying. They have done this to numerous other policy holders, just read the consumers Yelp reviews. After doing some more research, I found out that this company isn’t even registered with the California Secretary of State to conduct business in California.
I filed an emergency claim with Home Service Club Warranty for a leaking hot water heater on June 3, 2016. Eight (8) phone calls and three (3) online request over four (4) days no one contacted me about repairing/replacing the hot water heater that was flooding the basement. The water heater was leaking into the basement during this ridiculousness. To date I still have not received any communication from Home Service Club Warranty or a plumbing company to make the emergency repairs. I ended up replacing the hot water, repairing all the water damage and mold myself. If you are considering using this company - you have been Warned!
Last July I purchased a home in Florida and thought it would be a good idea to get a home warranty. I purchased one from the Home Service Club in New York. Four months after purchasing the warranty my central air stopped cooling. I called the HSC and they sent someone out. The technician they sent replaced a capacitor and I paid my copay of $125.00. The total bill was $281.00. Two weeks ago my HVAC unit stopped cooling again. I called the Home Service Club and they again sent someone out from Blue Star Air Conditioning to look at it. The technician said it had a Freon leak and that it would cost more money to locate the leak than it was worth because it would have to be taken apart to locate the leak and the unit is 20 years old. He submitted his report to HSC and I called a day later to follow up. First I was told that my claim was in the review department. I explained that I needed this expedited because it was 100 degrees out and the house was inhabitable. The customer service representative that I spoke with then said she would look it over. After about 10 minutes she took me off hold and said that HSC would not cover the replacement because it had corroded lines and a rusted coil. She said this is not covered. I asked her where she got this information because the technician never told me this and it wasn’t in his report. She said it was in his report. I told her she was lying because I had a copy of it.
After arguing with her for 30 minutes she said she would call the owner of Blue Star. Of course I didn’t believe her because I am a retired detective sergeant and I could tell from speaking with her that she was giving me the run around. She sounded as if she was reading off a script. I asked her for a 3 way call with the owner of Blue Star and she said she wasn’t authorized to do this. I asked for a manager and wasn’t allowed to speak with one. I asked to speak with the legal department and she said this could only be done in writing. After getting nowhere I called the owner of Blue Star myself. I explained what happened and he said there was no rust or corrosion. I knew this because I saw the unit and offered to send pictures to HSC but again this was rebuffed. I was called back a half hour later and told by the same customer service representative that she just got off the phone with the owner. This was another blatant lie. I had just got off the phone with him seconds before she called and he said he hadn’t spoken with anyone from HSC. I again asked for a 3 way call with him to prove she was lying but again she wouldn’t let me. She kept offering me a “good will” payment of $800.00 towards a new AC.
Now, I know a new A/C unit costs between $4000-5000.00. This “good will” gesture is a scam. I read all the complaints from Ripoff.com, BBB, Consumeraffairs.com, Their Facebook page and others. Not only was this a joke but after catching the representative in so many lies I didn’t trust that she wouldn’t make a deal with the repair company to bump the price up to cover the $800.00. I told her I would contact an attorney because I could see I wasn’t getting anywhere. Then she said she was noting that I refused the “good will” offer. Are you kidding me? How do they get away with this stuff? The unit has absolutely no rust or corrosion and she made the entire story up from New York when I was in Florida. I called another HVAC company out and he looked at it. He said the same thing. It has a slow leak and he couldn’t find it therefore I am having him replace it. I can’t go weeks without an AC in Florida, especially in July!!!.
I also filed a report with the NY consumer complaints division (#14561). It will cost me more money to fight this company than it will cost to replace the unit. I am sure they know this and count on people to give up. Not me. I will fight this until the very end and put this story all over the internet until I get satisfaction. I read numerous complaints online for the same thing. The NY Attorney General’s office should file fraud charges against the Home Service Club. Prove it the old fashion way and set them up. Watch how they try to wiggle their way out of paying your claim. I smell a class action suit coming. Just a few days ago I got the following two emails from Samantha Brooks at HSC. She must have taken over the claim. She sent me some clause from one of the pages showing that they don’t cover line sets or pre existing conditions. First of all, I don’t think she know what a line set is. Second, they couldn’t determine where the leak was coming from therefore her argument is not valid. Lastly, concerning the pre existing condition she obviously didn't see that HSC sent a service gut out to fix it in November! Did he say there was rust or corrosion? NOOOOOO. This company is a scam.
Buyer Beware!! Email from Samantha Brooks Hi Joseph, I have attached a copy of your contract for your contract. Also, please see below which is pasted from the same contract. From Page 3 , Section D:" Examples of not covered: conditions that existed prior to Agreement effective date; lack of routine care and maintenance; misuse; and rust and/or corrosion. “Domestic-grade” items are those that were manufactured and marketed solely for installation and use in a residential family dwelling. The covered item will be deemed to have been in “proper operating condition” on the Agreement effective date if it was correctly located within the home, was fully connected, was capable of successfully performing all operations commensurate with the manufacturer’s original design intention and specifications, and did not pose any hazard to life or property. Determination of the operating condition as of Agreement effective date, and the nature of any failure, will be made by HSC based upon our professional opinion, reflecting but not limited to, diagnosis made by our Authorized Service Contractors or trained direct employees." From Page , Section E2:" NOT COVERED: Humidifiers and electronic air cleaners; secondary condensate drain pans, pumps, and lines; filters (including electronic/electrostatic and deionizing filter systems); heat recovery unit; interconnecting refrigerant (Freon) gas lines/line sets(external of the equipment); panels and/or cabinetry; roof jacks or stands; asbestos insulated piping; outside or underground piping; recapture/reclaim/disposal of refrigerant (Freon); stopped up drain lines; structural components; geothermal piping; humidifiers; zone control systems; flues and vents; well pumps; well pump components for geothermal and/or water source heat pump; water pumps and lines (external of the condenser unit); remote controls; wall units (except as noted above); crane charges; legally mandated diagnostic testing when replacing heating or cooling equipment; window units; mismatched systems; water cooling towers; noise; general maintenance and cleaning; gas systems, including ammonia systems; and chillers, chiller components, water lines, chilled water systems; are not covered." As per the contract, rust and/or corrosion and line sets are not subject to coverage. Our records also indicate that we did offer a good will courtesy. However, you have refused it. Should you have any questions, you or your attorney may contact me at the below extension. Warm Regards, -Samantha And a 2nd One Hi Joseph, Thank you for your email. Your system is clearly pre existing and has rust/corrosion.
The only other thing I could think of is if you want to submit any maintenance records, I can resubmit it for review. We do not cover line sets or replacements necessitated due to bad line sets. Two large and unrelated leaks on a rusted system take an extremely long time develop, manifest, and leak out. Running a system in such condition puts a strain on the compressor and this is not a service that we provide. We are strictly a home warranty company and don't provide home insurance or home improvement. Also, the agent did speak with the technician exactly when she said she did. False and fraudulent complaints and statements are taken very seriously and are handled accordingly. Again, you may provide maintenance/repair records for further review. Should you have any questions, feel free to contact me at the below extension.
Home Service Club Reviews
Purchased policy 7/6/2020. Realized they were a scam 8/1/2020. Started requesting cancellation and refund then.
After being ignored for months, reached out to the Better Business Bureau. That invoked an immediate promise from them to send a check to title company.
Said check was never received by title company. Weeks later they actually sent a refund check to me that was received 12/15/2020. 4.5 months later. Check bounced today.
Entered into a contract for home warranty via on-line application. Automatically made monthly payments for 8 months before needing service. Requested plumber and garage door repair. They called to say shower diverter not covered under plumbing contract, but garage door repair person would call. No one called.
I called the telephone number listed and was on hold for 10 minutes before the computer finally said no one there to answer phone. I did not have my contract number so did not leave the message requested. There is no email address, or any other form of communication. Only the telephone number. And the telephone is not answered, so basically there is no way to communicate with this company.
I went to the web site to disconnect my automatic payment, and there is no way to change the information. I hit the button saying to terminate the contract, and the message said I would receive an email. I did not receive an email. I did not receive any other telephone calls. I never received any service. And they disconnected my account access. I can no longer get onto my account.
The address they list in New York and the address they list in Las Vegas both track back to law firms, so I think their physical address is only that of their registered agents. I do not think this company exists except as a fraud. This is, in my experience, a scam.
Over a week'so wait, two subcontractors to get my range fixed. It took days and days of calls and threats to get repair done then, surprise! I had to pay a $125 "copay" to the subcontractor-surely in some fine print somewhere. What a ripoff!
After nearly 2 years of paying for a home warranty I finally submitted a claim on November 28, 2016 to have my garbage disposal and a leaky roof repaired. As per my contract I did not receive a call from the assigned technician within 72 hours of my claim. I had to follow-up several times only to be told by the plumbing company that within 15 minutes of submitting my service request through an HSC agent it was cancelled by HSC. I inquired why it was canceled but no reason was given. I resubmitted the service request through their website portal and they finally came out on 12/09/16 only to inspect and not repair. I took a half-day from work off only to be told they would need to come back another day to replace the garbage disposal. The plumber indicated the unit was old and the blades had rusted and stopped spinning. I waited to hear back from the plumbing company to reschedule the appointment but did not hear back from them nor HSC that day. I called back to complain about the poor service and follow-up the same day and was told a supervisor would call me back to address my concerns. On Monday, December 12 I called to inquire status and was told by a representative that my policy was flagged by HSC for fraud and that it was transferred to their fraud prevention department. I requested to be transferred to the Fraud Prevention Department but was told that they could not transfer me. I asked to speak to a supervisor and was told they could not transfer me. I received a call at about 3:00 pm by Stacy Clark at extension 5037 who claimed to work at HSC in their fraud prevention department and that she was the supervisor. Stacy made outrageous allegations that I accosted, threatened, was difficult, and threw the plumber out of my home and refused to pay my deductible. She further alleged that the plumber had secretly recorded me asking him to install a 1/2 hp rather than my 1/3 hp unit and attempted to coerce the plumber in my insurance fraud scheme. They further alleged that the plumbing company had blacklisted me and reported that I threw metal objects down my disposal to intentionally ruin it to obtain a better newer model and that Gennaro Plumbing would never send a technician to my home ever again. As a result my account was flagged for fraud and that no further service calls would be honored pending an investigation. I've paid over $1,000 in premiums, why would I commit fraud for an $80 garbage disposal that I ended up replacing myself and got a better model for the same price. After hearing these ridiculous allegations I contacted the plumbing company (Gennaro Plumbing) and spoke to office manager Patty. Patty denied ever reporting such a thing to HSC and quite the contrary, Patty told me she cancelled their contract with HSC due to unethical tactics, excessively long hold times (40 min plus) and bullying by someone named Danielle. Patty informed me that HSC indicated that Gennaro was their sole vendor in my area and that without them they would not be able to service my claim. Instead Patty suggested to Danielle that they cash me out to have the repair done on my own. Instead, HSC fabricated an ostentatious lie of me committing fraud in order to not honor the service contract and further deny future service requests. In reality they do not have any contractors in my area at all to service me. The two contractors that were assigned to come to my home complained to me that they cannot reach anyone at HSC to get approvals for the work or have to wait over 40 minutes on hold each time so they give up. I believe that HSC intentionally makes it impossible to reach anyone by phone in order to exasperate their clients and vendors so that we give up and not use them for their intended purpose. I've contacted them no less than a dozen times with a wait time of 40 minutes plus and have not received a call back from Stacy nor anyone for resolution. I left various voicemails for Stacy indicating I would be filing a complaint with the Better Business Bureau, New York Department of Financial Services and the California Department of Insurance if I did not receive resolution or a call back within a reasonable amount of time. Shortly after my voicemail I received an email from HSC indicating my policy was cancelled for fraud and threats but then they charged me for my monthly premium within a day. Apparently telling HSC that I would file complaints with the proper administrative agencies is considered a threat. HSC has retaliated against me for simply doing what is within my legal rights to seek timely resolution. I believe they are committing insurance fraud, consumer fraud and bad faith. Flagging people’s accounts for fraud is a pattern of manipulation and bullying. They have done this to numerous other policy holders, just read the consumers Yelp reviews. After doing some more research, I found out that this company isn’t even registered with the California Secretary of State to conduct business in California.
I filed an emergency claim with Home Service Club Warranty for a leaking hot water heater on June 3, 2016. Eight (8) phone calls and three (3) online request over four (4) days no one contacted me about repairing/replacing the hot water heater that was flooding the basement. The water heater was leaking into the basement during this ridiculousness. To date I still have not received any communication from Home Service Club Warranty or a plumbing company to make the emergency repairs. I ended up replacing the hot water, repairing all the water damage and mold myself. If you are considering using this company - you have been Warned!
Last July I purchased a home in Florida and thought it would be a good idea to get a home warranty. I purchased one from the Home Service Club in New York. Four months after purchasing the warranty my central air stopped cooling. I called the HSC and they sent someone out. The technician they sent replaced a capacitor and I paid my copay of $125.00. The total bill was $281.00. Two weeks ago my HVAC unit stopped cooling again. I called the Home Service Club and they again sent someone out from Blue Star Air Conditioning to look at it. The technician said it had a Freon leak and that it would cost more money to locate the leak than it was worth because it would have to be taken apart to locate the leak and the unit is 20 years old. He submitted his report to HSC and I called a day later to follow up. First I was told that my claim was in the review department. I explained that I needed this expedited because it was 100 degrees out and the house was inhabitable. The customer service representative that I spoke with then said she would look it over. After about 10 minutes she took me off hold and said that HSC would not cover the replacement because it had corroded lines and a rusted coil. She said this is not covered. I asked her where she got this information because the technician never told me this and it wasn’t in his report. She said it was in his report. I told her she was lying because I had a copy of it.
After arguing with her for 30 minutes she said she would call the owner of Blue Star. Of course I didn’t believe her because I am a retired detective sergeant and I could tell from speaking with her that she was giving me the run around. She sounded as if she was reading off a script. I asked her for a 3 way call with the owner of Blue Star and she said she wasn’t authorized to do this. I asked for a manager and wasn’t allowed to speak with one. I asked to speak with the legal department and she said this could only be done in writing. After getting nowhere I called the owner of Blue Star myself. I explained what happened and he said there was no rust or corrosion. I knew this because I saw the unit and offered to send pictures to HSC but again this was rebuffed. I was called back a half hour later and told by the same customer service representative that she just got off the phone with the owner. This was another blatant lie. I had just got off the phone with him seconds before she called and he said he hadn’t spoken with anyone from HSC. I again asked for a 3 way call with him to prove she was lying but again she wouldn’t let me. She kept offering me a “good will” payment of $800.00 towards a new AC.
Now, I know a new A/C unit costs between $4000-5000.00. This “good will” gesture is a scam. I read all the complaints from Ripoff.com, BBB, Consumeraffairs.com, Their Facebook page and others. Not only was this a joke but after catching the representative in so many lies I didn’t trust that she wouldn’t make a deal with the repair company to bump the price up to cover the $800.00. I told her I would contact an attorney because I could see I wasn’t getting anywhere. Then she said she was noting that I refused the “good will” offer. Are you kidding me? How do they get away with this stuff? The unit has absolutely no rust or corrosion and she made the entire story up from New York when I was in Florida. I called another HVAC company out and he looked at it. He said the same thing. It has a slow leak and he couldn’t find it therefore I am having him replace it. I can’t go weeks without an AC in Florida, especially in July!!!.
I also filed a report with the NY consumer complaints division (#14561). It will cost me more money to fight this company than it will cost to replace the unit. I am sure they know this and count on people to give up. Not me. I will fight this until the very end and put this story all over the internet until I get satisfaction. I read numerous complaints online for the same thing. The NY Attorney General’s office should file fraud charges against the Home Service Club. Prove it the old fashion way and set them up. Watch how they try to wiggle their way out of paying your claim. I smell a class action suit coming. Just a few days ago I got the following two emails from Samantha Brooks at HSC. She must have taken over the claim. She sent me some clause from one of the pages showing that they don’t cover line sets or pre existing conditions. First of all, I don’t think she know what a line set is. Second, they couldn’t determine where the leak was coming from therefore her argument is not valid. Lastly, concerning the pre existing condition she obviously didn't see that HSC sent a service gut out to fix it in November! Did he say there was rust or corrosion? NOOOOOO. This company is a scam.
Buyer Beware!! Email from Samantha Brooks Hi Joseph, I have attached a copy of your contract for your contract. Also, please see below which is pasted from the same contract. From Page 3 , Section D:" Examples of not covered: conditions that existed prior to Agreement effective date; lack of routine care and maintenance; misuse; and rust and/or corrosion. “Domestic-grade” items are those that were manufactured and marketed solely for installation and use in a residential family dwelling. The covered item will be deemed to have been in “proper operating condition” on the Agreement effective date if it was correctly located within the home, was fully connected, was capable of successfully performing all operations commensurate with the manufacturer’s original design intention and specifications, and did not pose any hazard to life or property. Determination of the operating condition as of Agreement effective date, and the nature of any failure, will be made by HSC based upon our professional opinion, reflecting but not limited to, diagnosis made by our Authorized Service Contractors or trained direct employees." From Page , Section E2:" NOT COVERED: Humidifiers and electronic air cleaners; secondary condensate drain pans, pumps, and lines; filters (including electronic/electrostatic and deionizing filter systems); heat recovery unit; interconnecting refrigerant (Freon) gas lines/line sets(external of the equipment); panels and/or cabinetry; roof jacks or stands; asbestos insulated piping; outside or underground piping; recapture/reclaim/disposal of refrigerant (Freon); stopped up drain lines; structural components; geothermal piping; humidifiers; zone control systems; flues and vents; well pumps; well pump components for geothermal and/or water source heat pump; water pumps and lines (external of the condenser unit); remote controls; wall units (except as noted above); crane charges; legally mandated diagnostic testing when replacing heating or cooling equipment; window units; mismatched systems; water cooling towers; noise; general maintenance and cleaning; gas systems, including ammonia systems; and chillers, chiller components, water lines, chilled water systems; are not covered." As per the contract, rust and/or corrosion and line sets are not subject to coverage. Our records also indicate that we did offer a good will courtesy. However, you have refused it. Should you have any questions, you or your attorney may contact me at the below extension. Warm Regards, -Samantha And a 2nd One Hi Joseph, Thank you for your email. Your system is clearly pre existing and has rust/corrosion.
The only other thing I could think of is if you want to submit any maintenance records, I can resubmit it for review. We do not cover line sets or replacements necessitated due to bad line sets. Two large and unrelated leaks on a rusted system take an extremely long time develop, manifest, and leak out. Running a system in such condition puts a strain on the compressor and this is not a service that we provide. We are strictly a home warranty company and don't provide home insurance or home improvement. Also, the agent did speak with the technician exactly when she said she did. False and fraudulent complaints and statements are taken very seriously and are handled accordingly. Again, you may provide maintenance/repair records for further review. Should you have any questions, feel free to contact me at the below extension.