On Aug 11, 2008 I contacted someone named Jeffrey at national home protection located in the city of New York City, NY: 42 West 38th Street 8th floor suite 800 New York, NY 10018. I have two properties in the State of California that I was considering home warranties for. I wanted to know if there were discounts for multiple properties. Jeffrey told me he had special pricing for multiple homes called the “realtor pack “which was 15% off quoted prices with a 45.00 Dollar service call deduction. He told me in order to receive these discounts I had to purchase a minimum three year policy. My main concern was what the policy exclusions were. I call it a policy because that’s how national home protection advertised their service on the internet as an insurance policy. I asked if I could review the policy first and Jeffrey told me that once I purchased the policy he would immediately e-mail me a copy of the policy to review and also send me a copy through the U.S. mail that I would receive in about three days, along with 300.00 Dollars in Home Depot gift cards (50.00 per property per year) that were part of a promotional link to their web site and that I had 30 days to review the policy before it went into effect and that I could cancel at any time and keep the gilt cards, and after 30 days I could cancel with a pro-rated refund .I then gave Jeffrey my credit card number over the phone to complete the purchase. On Aug 13, 2008 I checked my e-mail and had not received the policy from Jeffrey, I did receive an e-mail from someone named Victor Hakim Sales Manager at national home protection (nhp) who offered me the same so-called “realtor pack” deal (see attachment #B) that I had just purchased from jeffrey but without the requirements that I was subjected to earlier. I now realized I had been the victim of false and misleading business practices at nhp. On Aug 18, 2008 I finally received the (2) insurance policies. In the mail from nhp and after further review found that Jeffrey misrepresented the facts about their cancellation policies and promotions (I received no home Depot card nor could I cancel the policy at anytime). He clearly committed fraud over the phone. I immediately contacted nhp and spoke to someone who refused to give her name, about cancelling the policies. I was told my request was being forwarded to a manager for review and a decision would take 72 hours then someone would call me. On Aug 20, 2008 I sent two e-mails as a reply to victor hakim about dissatisfaction with nhp and demanded a full refund. I explained that Jeffrey had not explained the terms or conditions to me as stated in their policy, and that as I looked further into their company I found out that it was common for his employees to deceive the public. Further nhp does not make assurances that the public understands their cancellation policies, nor do they provide reasonable time to review or an opportunity sign their policies. My e-mails were never answered.
On Aug 20, 2008 I faxed to nhp a formal notice to cancel all policies and continued to call. All faxes were verified as received. On Aug 22, 2008 I called nhp and again spoke to someone who told me that my cancellation request was still being processed and my final call to nhp was on Aug 25, 2008 when I was told nhp will not accept my request to cancel the policies. It’s very clear based on the sampling of hundreds of complaints which I have enclosed with this letter that National home Protection engages in deceptive business practices to obtain their customers. Consider that fact that a policy that takes seven days to reach a customer via U.S. mail would be impossible to review with three day (72 hour) clause or the fact that nhp employees do not inform their customers of the importance of these conditions and assures that they fully understand them.
Nhp has an extensive history of deception and fraud and has an unsatisfactory rating with every known consumer protection agency, and was doing business under the name of United Home Warranty, and are currently under criminal investigation in the state of New Jersey for consumer fraud. They have now changed their name to National Home warranty and are currently doing business in the state of New York.
Their customers are being denied service for no reason, hundreds of customers never receiving their (Home Depot) promotions and cancellation requests denied.
I hope this information will encourage you to do what’s necessary to protect thousands of Americans from consumer fraud and deception by National home Protection as witnessed at:
1. Complaints.com 6.Abclocal.go.com
2. Scams.com 7.The squeakwheel.com
3. My3cents.com 8.Consumeraffairs.com
4. Complaintboard.com 9.thestuccocompany.com
5. Ripoffreport.com 10.viewpoint.com
