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Thread: Mywarrantyrewards.com

  1. #1
    busttheblock is offline Senior Member
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    Mywarrantyrewards.com

    Something about this one just doesn't sit right with me. It comes off like the classic "too good to be true" program. This is supposedly the marketing arm of Matrix Protection, which has purportedly been in business since 2006.....not sure I believe that. Jay Tuerk is the co-founder and CEO...to be honest, he seems like a slimy used car salesman!

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    busttheblock is offline Senior Member
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by busttheblock View Post
    Something about this one just doesn't sit right with me. It comes off like the classic "too good to be true" program. This is supposedly the marketing arm of Matrix Protection, which has purportedly been in business since 2006.....not sure I believe that. Jay Tuerk is the co-founder and CEO...to be honest, he seems like a slimy used car salesman!
    Does anyone else have any feeling (positive/negative) about this program?

  3. #3
    littleroundman is offline Administrator
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    Re: Mywarrantyrewards.com

    As you point out, it definitely seems to fit into the "if it sounds too good to be true, it usually is" category

    Unfortunately the link on the "opportunity" page doesn't work and there is no mention on the site exactly how the "direct selling compensation plan" actually works.

    Opportunity
    Welcome to the Warranty Rewards opportunity section. We’ve taken the philosophy that a direct selling compensation plan needs to be as straightforward as possible. We also believe that people at all levels entering a direct selling organization should have realistic income earning opportunities, with achievable promotion requirements. We hope that we have achieved that with Warranty Rewards.
    Please download our Opportunity Presentation by Clicking Here to learn all about Warranty Rewards.
    To become Promoter with Warranty Rewards, click the Join Now link below.
    That's a bloody big red flag, right there.

    The second red flag is Mywarrantyrewards.com is claiming all those benefits at a price way cheaper than any other form of similar insurance plan AND is supposed to pay "realistic income earning opportunities" to a direct selling salesforce.
    The only thing necessary for the triumph of evil is for good men to do nothing

  4. #4
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by busttheblock View Post
    Does anyone else have any feeling (positive/negative) about this program?
    This seems like a more expensive version of Squaretrade. At $29.97 a month, you would need a lot of failures to make it worthhile. Also the lack of specifics prior to signup usually indicates problems.
    Also the following:,
    As defined in the Warranty Rewards Compensation Plan, I will be eligible to earn commissions based on my ability to enroll customers and sponsor a team of Promoters that enrolls customers.
    while not proof of pyramid certainly reeks of MLM!
    It seems like in this "industry" common sense is not all that common!

  5. #5
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    Re: Mywarrantyrewards.com

    Oz over at BehindMLM did a post about this, I'm plagiarizing myself from there:



    I’m pretty tempted to say the warranty deal is pretty close to just window dressing. Look at other companies offering after market warranty services and they all offer the service in a similar way, on an item for item basis, with specific terms and coverages.

    Matrix Protection purports to charge you one flat fee for as many or as few insured items you may have or go on to acquire. This doesn’t make sense. Can you imagine a car insurance company charging the same total fee to someone who owns five Bentleys as they would to someone who owned two Toyotas? Again, this doesn’t make sense.


    From a best practices stand point I can look at the websites of a few other after market electronics warranty providers and find out exactly who underwrites their insurance coverage. For SquareTrade and Safeware it’s AM Trust Financial, ElectronicWarranty dot com, it’s AM Best. Clear and verifiable identification of who their fiduciary relationships are with. Who underwrites Matrix Protection’s coverage? Who are they partnered with?


    As far as Jay Tuerk and Yoni Ashurov, they do have something of a MLM background, last year’s blink and you missed it Stahr Meridian. Tuerk was listed as a Co-Founder.


    Where some less than reputable MLM companies slowly bleed their affiliate base to inevitable oblivion Stahr Meridian was closer to a smash and grab robbery. Perhaps upwards of 3,000 “Social Entrepreneurs” ponied up $300 each to enroll in a company with a life span that compared favorably to some fruit flies.


    Steve Smith and Marty Hale headed up Stahr. Smith of Excel Communications fame and who went on to create a bunch of short lived recruitment heavy more or less MLM companies. Marty Hale has been party to more MLM company lawsuits than most state Attorney Generals and the most recent stop on his Typhoid Marty Tour is as (for the moment) President of Terry LaCore’s B:Hip.


    Folks, if you’re following guys like Smith and Hale from one company to another for any reason other than morbid curiosity, you’re either getting screwed or helping people get screwed. Or both.


    Tuerk and Ashurov headed up Energy Management Systems and their “EnergyMizer” was Stahr Meridian’s flagship product. And what a steaming pile of a product offering it was:





    Save up to 20% on your electric bills AND save your life from the harmful EM radiation in your home, all wrapped up in one easy to install $400 package.


    Honestly, if the EnergyMizer was anywhere near as good as Jay and Yoni claimed why would the timely death of Stahr Meridian have killed the product? Even if it only saved people 5% on their electric bills they could still sell millions of them. Millions and Millions of them.


    Unless they were lying their asses off about it at which time switching to the aftermarket insurance deal makes perfect sense. But what if they’re lying about that too?
    So your prophets of finance have fallen on their collective proverbial face, and you hear muffled voices calling: Welcome to the human race.
    You made a killing dealing real estate at NASA selling cemetery plots in outer space til some falling coffins crashed upon your doorstep: Welcome to the human race.

    Open up your heart...

    Welcome to RealScam.com.

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    Guardian13 is offline Junior Member
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    Re: Mywarrantyrewards.com

    Just to put this out there. I have read through all the information listed in all of the comments below and feel that a few things should be pointed out. No one thus far has actually referenced any research they have done on this system and or the two men in question and I as a non biased business owner would like to point a few things out. They have not only a A+ BBB rating they have an A- rating with AM Best. AM Best is the gold standard of rating companies because they rate on business growth, business solvency, complaints filed, ext. They are the ones that rank Insurance agencys and the Matrix companies rating is actually a higher rating with them then AFLAC is. As far as it looking like a MLM system, it is, however MLM systems are not illegal and or even bad depending on the plan. Some of the most successfull businesses today are MLM including Mary Kay, Ignit and Stream Energy, Ambit, Avon, Aflac, A L Williams which is now Prime America. Yes I added to insurance companies in there because if you look at there pay scale they are the same base and I own an opperate an agency that has over 25+yrs of experiance. They have been in business since 2006 and just recently in 2012 made a name change with the BBB because they had grown and needed to add in the new portion of the company inwhich they bought. They have 687,000+ customers currently in the US and in the Last 4yrs have had only 49 complaints filed against them only which 9 had not been removed or resolved. These are just a few facts that I have found after doing research on them back in June of this year. And after reading the comments on this feed I felt it might shed some light on the topic which seemed to be in need of it. All my facts that I have stated can be found at both the BBB website as well as the AM Best web site, just make sure you look at the proper company legal name before hand. Again I am a third party business owner that came across this a few months back due to a client asking question and wanted the information.

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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Guardian13 View Post
    All my facts that I have stated can be found at both the BBB website as well as the AM Best web site, just make sure you look at the proper company legal name before hand.
    What a shame you forgot to link to either of these reports or provide the 'proper company legal name' to assist anyone else looking for these reports.
    Ignorance more frequently begets confidence than does knowledge: it is those who know little, and not those who know much, who so positively assert that this or that problem will never be solved by science. -C. Darwin

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    ribshaw's Avatar
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Guardian13 View Post
    All my facts that I have stated can be found at both the BBB website as well as the AM Best web site, just make sure you look at the proper company legal name before hand.
    Maybe you could post some links to the proper company legal name and ratings for us. Considering the quality work Oz has already done I am going to pass on hunting it down myself.

    Warranty Rewards Review: MLM warranty coverage?
    Jan.23, 2014 in companies

    warranty-rewards-logo

    Other than a provided corporate address in Florida, there is no information on the Warranty Rewards website indicating who owns or runs the business.

    The Website Rewards website domain (“mywebsiterewards.com”) was registered on the 15th of October 2013, however the domain registration is private.

    Warranty Rewards does have a “Company” page on their website, but it only reveals that ‘Warranty Rewards was founded as the direct selling arm of Matrix Protection‘.

    There’s no information on the Matrix Protection website indicating who owns that company either. The Matrix Protection website domain (“matrixprotection.com”) was registered in 2009, however its domain registration is also private.
    Warranty Rewards Review: MLM warranty coverage?

    Quote Originally Posted by Guardian13 View Post
    Again I am a third party business owner that came across this a few months back due to a client asking question and wanted the information.
    Yes, we hear that every time someone just happens to drop buy. Your post reads like a twenty something who is just getting started in MLM, endless recruiting schemes, or dare I even say Mywarrantyrewards.

    I just checked and there is a thread over at Board Message, if it is there it is not a real business.
    Last edited by ribshaw; 07-29-2014 at 01:41 PM.
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    littleroundman is offline Administrator
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Guardian13 View Post
    Just to put this out there. I have read through all the information listed in all of the comments below and feel that a few things should be pointed out. No one thus far has actually referenced any research they have done on this system and or the two men in question and I as a non biased business owner would like to point a few things out. They have not only a A+ BBB rating they have an A- rating with AM Best. AM Best is the gold standard of rating companies because they rate on business growth, business solvency, complaints filed, ext. They are the ones that rank Insurance agencys and the Matrix companies rating is actually a higher rating with them then AFLAC is. As far as it looking like a MLM system, it is, however MLM systems are not illegal and or even bad depending on the plan. Some of the most successfull businesses today are MLM including Mary Kay, Ignit and Stream Energy, Ambit, Avon, Aflac, A L Williams which is now Prime America. Yes I added to insurance companies in there because if you look at there pay scale they are the same base and I own an opperate an agency that has over 25+yrs of experiance. They have been in business since 2006 and just recently in 2012 made a name change with the BBB because they had grown and needed to add in the new portion of the company inwhich they bought. They have 687,000+ customers currently in the US and in the Last 4yrs have had only 49 complaints filed against them only which 9 had not been removed or resolved. These are just a few facts that I have found after doing research on them back in June of this year. And after reading the comments on this feed I felt it might shed some light on the topic which seemed to be in need of it. All my facts that I have stated can be found at both the BBB website as well as the AM Best web site, just make sure you look at the proper company legal name before hand. Again I am a third party business owner that came across this a few months back due to a client asking question and wanted the information.
    All very interesting, except for the fact all you've talked about is other companies, the MLM industry in general, several unverified ratings sites and the fact there have been only 49 complaints WITH THOSE TWO RATING SITES. Even then, the number of complaints being only 49 is according to a previously unknown and anonymous poster who may or may not be the person behind MWW.

    What you haven't done is provide one fact explaining why people should treat MyWarrantyRewards as a legitimate MLM business opportunity and why MWW raises so many red flags.
    The only thing necessary for the triumph of evil is for good men to do nothing

  10. #10
    kschang is offline Senior Scambuster
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    Re: Mywarrantyrewards.com

    My comment is these guys tried selling it the old-fashioned way: $30 a month, $30 to start, and it didn't sell.

    So they're trying it matrix-style. STILL not selling.

    There is no AMBest rating for either Matrix protection or MyWarrantyReward.

    Search Results - Best's Credit Rating Center

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  11. #11
    Centry352 is offline Junior Member
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    Re: Mywarrantyrewards.com

    First off let me begin with stating I am not joined with this particular program, what brought me here was checking out My Warranty Rewards in making a decision in joining with it or not.

    Myself, I'm not the biggest fan of these type of websites because I think they are more for bashing than anything else. I'm sure that all here will disagree, but we each have our own opinions, and I'm sure everyone here is full aware that anyone checking out this program or any other, will more than likely see this website and what's being said here.

    Which brings me to the first thing I'd like to address, the definition of scam is fraud, swindle, cheat, so with that said, unless a business is "Proven" to be just that, I don't see how you have a right to post it here knowing it will scare some people off from joining the opportunity, but I think that's what this is all about anyway, and I'm sure the people that post on forums like this about every mlm that's ever started know this.

    I do also see a lot of "Opinions" being sold as facts.

    If you think this program/service is "Not worth the money", then once again, how does that make it a proven scam? That's simply your opinion.

    Comments such as "Oh other companies do the same thing", well, more than 1 company sells cars, clothing, food, electronics, service repair, appliances and i can find pricing all across the board from one end to the other, quality of service, etc etc......So once again, not sure how that makes this Company a Scam.

    From my investigating I found that other Warranty Services sell their plans as a "Fixed flat rate", as example $300 to cover your television or $250 to cover your Laptop, or $59 to cover etc etc.

    They also expire after a certain time, if they have a deductible, not sure, i think that varies Company to Company

    Warranty Rewards is a flat rate covering any and every item eligible in your Household, 9 to 900, the coverage does not expire, and they go back as 4 years on older Electronics you have.

    They Repair, Replace or Refund your electronics, the Deductible is $25, they charge you shipping to send it in, they pay shipping to send it back to you.

    If it's a large item, say, a Large Television, they send out a repair person.

    Their Cell phone, Laptop, Notebook etc Supplemental Accident coverage runs $5 monthly covering 2 cell phones as example, this is optional, the deductible is $100

    In comparison I pay T Mobile $10 per month per phone, and my Deductible is $175, i have four Galaxy S4's on my account, so, going with this Matrix program Warranty Rewards offers, i'd save money

    I did not find any BBB ratings, so maybe it's under something else, or does not exist at all, i see someone in previous posts said they have a rating, and if that information is correct above, that is actually a very good rating overall

    As far as paying clients on the books, head office for My warranty Rewards nor Matrix Protection would disclose that number to me, so the earlier post stating how many are on the books, i am not sure on either. IF it is that high, how he find out is beyond me,and maybe he should take that down, because that would probably make matrix protection mad, just sayin.

    As far as the owners, i'm not concerned with what they "Did before", weather it worked or not as a business or succeeded or failed, we deal with companies all the time that start something else, or close and re open or file a BK then come back later under new management etc etc.

    As far as the AM best rating, here is another reason why i am not a fan of these type of websites, I find it really odd that you seasoned professional "MLM Rat Company" ousters protecting the citizens, didn't notice the mistake that was made and come back to correct it, so people see the truth and correct information, once again, i'm not sure you wanted to, but we'll just say you "missed it" accidentally.

    But i noticed that the post stating My Warranty Rewards and Matrix Protection were not listed on A.M. Best and that "Somebody here is BS'ing"

    Well, I think that somebody is you, and I'll back up why

    First off, AM Best does not rate MLM Companies (My Warranty Rewards) or Electronic Service Protection Companies (Matrix Protection)

    They rate "Insurance Companies", so clearly those companies would not be on their website database search.

    Now with that said, I called Matrix Protection and gee, guess what, I asked them, "Who are you insured by", the answer was, "Depends on your State"

    Because remember, they are Nationwide and have agreements with over 10,000 service centers

    I told the gentleman on the phone my state, he looked it up, he responded "Dealers Assurance Company" aka DAC services your state, then he listed to me every other state that DAC covers for them.

    And low and behold, when you go to Ambest dot com website to their home page, where it says enter a company name and press go, sure enough DAC comes up, and Matrix Protection only uses A rated Insurance Companies for their clients.

    So since none of you seasoned vets that have been on here for years literally, came back to correct this mistake, i'll do that right now, honesty is what we're shooting for here, right ? Truth? Right?

    Now back to Matrix Protection hiring My warranty Rewards to take this MLM to market their service

    Well myself, i see no issue with it, MCA does the same thing, they hired TVC Matrix to Market their Vehicle towing coverage product etc

    Also, many Insurance Companies do the same thing, you can open your own office and start your own "Team", and make overrides etc, but nobody complains about that or calls that a scam....

    Furthermore, it's incorrect to call it a pyramid scam when 1, you can make more than your sponsor if you work harder, 2, Revenue/Payout is not solely based on recruiting alone, and this is the biggest factor that most MLM ousters jump on,3 you are able to sell just the service plan protection stand alone, the recruiting reps and building a team is optional......

    So with that said, if i wish to just sell the service protection and make up front and residual monthly commissions, i may do so, to me you'd be a fool to, because if clients like the service, surely they would not mind selling it on the side to make extra money, but to each their own.

    Here is what would make this program a proven scam to me

    Clear Ponzi
    No True Product or Service
    They do not pay out commissions to Reps as Agreed
    They Do not Repair Replace or Refund as Agreed

    Unless any of the above can be proven, i'm not quite sure why this listing is here

  12. #12
    ribshaw's Avatar
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Centry352 View Post

    Myself, I'm not the biggest fan of these type of websites because I think they are more for bashing than anything else. I'm sure that all here will disagree, but we each have our own opinions, and I'm sure everyone here is full aware that anyone checking out this program or any other, will more than likely see this website and what's being said here.

    Which brings me to the first thing I'd like to address, the definition of scam is fraud, swindle, cheat, so with that said, unless a business is "Proven" to be just that, I don't see how you have a right to post it here knowing it will scare some people off from joining the opportunity,
    Welcome Century.

    One would hope that people researching things like this do find the page. The people who post on sites like this largely do so for free, without programs to sell, and in the case of RS without advertising. The same generally can't be said about sites or people promoting XYZ.

    The problem with your definition of a "SCAM" is that being scammed is a bit like stepping in dog shit, you want to AVOID it, not WAIT FOR CONFIRMATION.


    Quote Originally Posted by Centry352 View Post
    If you think this program/service is "Not worth the money", then once again, how does that make it a proven scam? That's simply your opinion.

    Comments such as "Oh other companies do the same thing", well, more than 1 company sells cars, clothing, food, electronics, service repair, appliances and i can find pricing all across the board from one end to the other, quality of service, etc etc......So once again, not sure how that makes this Company a Scam.

    From my investigating I found that other Warranty Services sell their plans as a "Fixed flat rate", as example $300 to cover your television or $250 to cover your Laptop, or $59 to cover etc etc.

    Warranty Rewards is a flat rate covering any and every item eligible in your Household, 9 to 900, the coverage does not expire, and they go back as 4 years on older Electronics you have.
    Life gives the test first, and teaches the lesson later.


    Insurance companies that stay in business price risk accordingly, and by your own math $25 per month for MYR is too low for the risk they are taking. As they say there is no free lunch and this will become apparent when, not if, the complaints start to pile up. This may be what you call an OPINION, but what is the opinion based on? Following your logic, that I would hurt myself sticking my hand in a fire or jumping in front of a speeding train is an OPINION as well. Warranty scams and complaints about warranty companies over promising are nothing new.

    When companies/people offer too much for too little it ends one way 100% of the time, history has spoken on this. If the people doing the offering have done the same thing in the past, 150% likelihood. Redemption stories can happen with other people's money as far as I am concerned.

    Life experience counts for something or we would all still be in the crib waiting on momma. The information you get here is what you get, and if you want to join this "opportunity" or pay these folks $25 per month then have at it. From the work OZ et. al. did way back when, there are enough red flags to know this is a pile of crap, if you want to take a microscope and a tongue depressor to it, please proceed.




    ================================================

    Let's see how this will likely play out...


    New Jersey Acting Attorney General John Hoffman announced the Division of Consumer Affairs had filed a complaint against an Edison-based company for fraudulently promoting appliance warranties and then not honoring them. (Star-Ledger file photo)
    Print
    Susan K. Livio | The Star-Ledger By Susan K. Livio | The Star-Ledger

    July 28, 2014 at 1:00 PM, updated July 28, 2014 at 5:45 PM



    TRENTON — The state Division of Consumer Affairs has a lawsuit against an Edison-based company it accused of making millions of dollars by defrauding consumers across 25 states who purchased warranties for home appliance repairs, only to have their claims unilaterally denied.

    CHW Group, Inc., or Choice Home Warranty, enticed consumers with the offer, “Never Pay For Covered Home Repairs Again!” But when warranty holders called about getting their air conditioner, refrigerator or other appliance fixed, the company denied claims if the consumer could not produce years worth of service records, or would fabricate another reason to honor the warranty, according to an announcement today from acting Attorney General John Hoffman.

    The company also repeatedly failed to deliver on its promises for "prompt service," by failing to pay its contracted technicians, who refused to make repairs. The state has received 16 complaints from unpaid technicians who collectively are owned about $22,000.

    The division received 116 consumer complaints about the company, including 18 from New Jersey, seven from New York, five from Pennsylvania, and from far away as Texas and Nevada. The division filed suit in Superior Court in Middlesex County for violating the consumer fraud act, and seeks to deem the contracts with warranty holders null and void, and impose fines.

    "This company’s alleged false advertising and flagrant violations of the terms of its residential service contracts affected consumers not just in New Jersey, but in at least 25 other states from here to Nevada, according to the Division's consumer complaints,” Hoffman said. “It is time to bring these alleged violations to a close and prevent further harm to consumers.”

    Late today, the company issued a statement to express disappointment with the Attorney General's actions.

    "We are disappointed that the state has chosen to file this lawsuit. We unequivocally dispute the allegations, intend to vigorously defend against them, and are confident that we will ultimately prevail," according to the unsigned company statement. "Choice Home Warranty has fielded thousands of warranty claims from our customers, resulting in claims payments of tens of millions of dollars. In fact, many of the complaints referred to by the Attorney General’s office, were resolved long ago, to the satisfaction of the consumer."

    The company website, choicehomewarranty.com, includes a long list of positive testimonials.

    The complaint was filed against Victor Mandalawi, Victor Hakim, and David Seruya, all believed to be from Brooklyn and who are current or former principals in the company. The company paid Mandalawi at least $2.6 million from January 2011 to September 2013, Hakim at least $3.7 million from December 2010 to September 2013, and Seruya at least $2.1 million from January 2011 to April 2013, according to the announcement.

    “The Division alleges that Choice Home Warranty refused to provide the basic services that consumers were paying for, and pocketed the money paid by consumers. Such deceptive practices will not be tolerated in New Jersey, said Steve Lee said, acting director of the Division of Consumer Affairs, which is overseen by the Attorney General.

    Consumers who believe they have been cheated or scammed by a business, or suspect any other form of consumer abuse, may report it to consumer affairs at 1-800-242-5846, or 973-504-6200, or file a complaint online.


    Edison home appliance warranty company accused of fraud by N.J. Attorney General | NJ.com


    ==================================================
    Other selected reading...

    Auto Service Contracts and Warranties | Consumer Information

    Why Home Warranties are No Guarantee | Angies List

    Home warranties not worth the paper they're written on | www.clarkhoward.com

    Top 131 Complaints and Reviews about Home Warranty of America

    73 CHOICE HOME WARRANTY Complaints and reviews @ Pissed Consumer
    Last edited by ribshaw; 08-15-2014 at 12:00 PM.
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  13. #13
    ribshaw's Avatar
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    Re: Mywarrantyrewards.com

    I would expect to see something like this in most service contracts, hence the reason so many people get pissed off when something breaks. Not that I am only dumping on these fellas, FWIW, I prefer to not get extended warranties and put the money in the bank, when something breaks get a new one. It's all cheap crap these days.


    EXCLUSIONS FROM COVERAGE

    The Plandoes not cover any loss, repairs or damage caused by or resulting from: pre-
    existing conditions incurred orknown to you (preexisting means a condition that within all reasonable mechanical probability relates to the mechanical
    fitness of your covered merchandise prior to Planissuance); improper packaging and/or transportation damage during
    shipment to a service center or relocation of the covered equipment; installation, removal, reinstallation or improper
    installation of components, upgrades, attachments or peripherals; damage or other equipment failure due to causes
    beyond our control such as environmental conditions, exposure to weather conditions or acts of nature including, but not
    limited to: fire, floods, smoke, sand, dirt, lightning, moisture orwater damage, freezes, storms, wind or windstorm, hail,
    CBK
    _
    08.06.13
    earthquake, etc.; damage or failure caused by riot, nuclear radiation, war or hostile action, radioactive contamination, etc.
    ;
    battery failure or leakage; collision with another object, collapse, explosion, liquid spillage of any kind by any owner,
    employee, third party, repair personnel, etc., unless covered under a service plan which specifically includes any of the
    defined causes; interruption of gas or electrical service; neglect, negligence, misuse, abuse, intentional
    physical/mechanical/electronic damage or malicious mischief, theft or mysterious disappearance, vandalism, rust,
    corrosion, warping, bending, animal or insect infestation, etc. to the covered product or any component; accidental
    damage, including physical/mechanical/electronic damage cause by dropping; damage, warping, bending or rusting of
    any kind to the housing, cabinetry, outside casing or frame of the product or any nonoperating part, including but not
    limited to plastic, or decorative parts such as hinges, knobs, door liners, glass, handles, masks, rack rollers, shelves, etc.;
    loss of or repair to any components within the product not originally covered by the manufacturer’s warranty or are
    considered expendable or consumer replaceable items and are designed to be consumed during the life of the covered
    product such as but not limited to, lamps, bulbs, tubes, filters, lint screens, external hoses, baskets or buckets, cords,
    wiring, cables, fuses, keypads, switches, connectors, batteries, toner, ribbons, belts,
    gaskets,drums, developer, ink or ink cartridges or any other parts or materials which are designed to be consumed during the life of the covered product;
    improper installation of customer replaceable components, modules, parts or peripherals and/or installation of incorrect
    parts; failure to product attachments not provided by the manufacturer or included in the original sale; failure to reset tim
    erafter a lamp replacement; or exploding or dimming lamps; repairs for cosmetic
    damage or imperfections or to structural items when they do not impact operational performance of the covered product; non-
    failure problems including but not limited to noises, squeaks, etc.; operational errors on the part of the consumer; removal, instal
    lation, reinstallation,unauthorized repairs, etc., of any internal component or covered product including but not limited to adjustments,
    manipulation or modifications made by anyone other than an authorized service technician; loss of power, improper use
    of electrical/power, power “brown
    -
    out”, power overload or power surge unless covered as further defined in the Special
    Features section of this document; any resultant malfunction or damage of or to an operating part of the covered product
    from failure to provide manufacturer’s recommended maintenance or operation/storage of the covered product in
    conditions outside manufacturer specifications or use of a covered product in such a manner as would void coverage
    under the manufacturer’s warranty or that are used in a manner inconsistent with the design of the equipment or
    manufacturer instructions or specifications; normal periodic or preventative maintenance, user education, set up
    adjustments; cleanings or any repair covered by a manufacturer warranty or other insurance; software and software
    related problems; damage resulting from computer viruses; any damage to recording media including any program, data
    or setup resident on any mass storage devices including but not limited to hard drives, CD-ROM devices,
    floppy diskettes,tape drives or tape backups as a result of the malfunction of or damage to an operating part of the covered product; signal
    reception or transmission problems resulting from external causes.
    Other exclusions include, but are not limited to: covered products subject to a manufacturer recall or rework to repair
    design or component deficiencies, improper construction, manufacturer error, etc. regardless of the manufacturer’s ability
    to pay for such repairs; unauthorized modifications and adjustments, alterations, manipulation or repair made by anyone
    other than an authorized service technician; covered products with removed or altered serial numbers; consequential
    damages or delay in rendering service under thisPlan
    , or loss of use or data during the period the covered product is at
    an authorized repair facility or otherwise awaiting parts; television or personal computer monitor screen imperfections
    including burned
    -
    in images in CRT or Plasma Screens caused by video games, prolonged display
    of one or more video signals, unit abuse or for any other reason; repair of LCD/Plasma resolution/failure, pixel burnout or other image failure
    not in accordance with the manufacturer’s specifications and/or minimum display standards; control adjustments
    made to televisions to enhance screen image quality; Plasma Televisions in use at or above 6,000 feet above sea level unless
    specifically designed for use above that altitude; all products and/or components that are used in applications that require
    continuous business and/or commercial operation, or are used for commercial, industrial, educational or public use
    purposes or offered on a rental basis; equipment sold without a manufacturer’s warranty or “as is”. This plan does not
    cover the cost of removal or disposal of this product in order to comply with EPA disposal requirements.
    The Plan excludes assisting consumers to obtain necessary hardware (converter boxes) for converting analog television signals to
    digital television signals or for any repairs or modifications as a result of the unavailability of analog broadcasting.
    You are responsible for backing up all software and data on a regular basis and prior to commencement of any repair.
    This Plan does not cover restoration of software or data, or data retrieval to your covered product. If your covered product experiences a failure or damage that is excluded from coverage under this Section or in the event of a repair incident wherein there is a “no problem found” diagnosis from the manufacturer or a manufacturer -authorized repair source, then you are responsible for all repair costs including shipping costs and/or the cost of on site service.

    https://matrixprotection.com/uploads...ectionPlan.pdf


    ================================================== =============


    ADMINISTRATOR/OBLIGOR
    AZ, CA,FL, IA, LA, MN, MO, NE, NM, NV, VA, and WA
    Residents: Dealers Assurance Company, 3518 Riverside D
    rive,Upper Arlington, OH 43221.

    All other Residents: New Leaf Service Contracts, LLC
    909 Lake Carolyn Parkway, Suite 900, Irving, TX 75039
    1.888.959.972

    Not sure if this is the one

    BBB.JPG

    Dealers Assurance Company Business Review in Columbus, OH - Dallas Texas BBB

    My mail was returned too, but who knows someone answers the 800 number so it must be kicking.

    Contact Us - DAC

    Mail Failure.JPG

    It happens...

    http://wvrecord.com/news/246778-kana...ch-of-warranty

    Warranty Direct denys twice on items covered in contact Review 146885 Oct 15, Portland, Oregon, Powershield Protection @ Pissed Consumer

    Numerous consumer advocates advise people not to buy extended warranties at all. After this default and earlier Warranty Week reports on WarrantyByNet Inc. and Continental Warranty, we can narrow that advice down considerably to this: it is our opinion that extended warranties should not be bought from dot-com companies that won't publish their physical address or the names of their executives. Warranty Week, Extended Warranty Defaults: Warranty Gold and NWIG, 1 December 2003


    =====================================

    New Leaf not as much info.

    New Leaf Service Contracts, LLC Business Review in Irving, TX - Dallas Texas BBB

    New Leaf Service Contracts, 7 November 2013

    I'm not sure if this is the right place to post this, but I wanted to pass my experience on to help those considering buying a New Leaf service plan...my receiver stopped working about two months ago. After several calls, New Leaf started to waver on covering the repair--they said it was a power surge. Having both a surge protected outlet and an APC UPS power center, and the fact that nothing else was damaged I found that impossible. Further, it didn't matter since that was covered under the terms of their plan. To shorten a long, frustrating story I contacted the BBB about a month ago who has been helping. New Leaf said that they were sending a check, yet I have still received nothing. I have since bought a new receiver from amazon. The New Leaf plan is what accessories4less offers through their site (they were no help either btw). I'm sure there are a lot of non-warranty people on this site but being that the receiver was a refurb. unit I thought it would be a good idea.

    Again, I hope this helps those of you who are considering buying a plan from this company. I wish I had a point of reference before I wasted my money.

    New Leaf Service Plans - AVS Forum
    "When you get something for nothing, you just haven't been billed for it yet." - Franklin P. Jones
    https://www.facebook.com/pages/Scam-...98399986981403

  14. #14
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Centry352 View Post
    I did not find any BBB ratings, so maybe it's under something else, or does not exist at all, i see someone in previous posts said they have a rating, and if that information is correct above, that is actually a very good rating overall
    Scambusting aint so easy, I posted two BBB links above. I don't think any of us here take BBB too seriously as businesses that pay get high ratings, seemingly no matter how scummy.

    B Rating with this warning on their page... Empower Network, LLC Business Review in Saint Petersburg, FL - West Coast Florida BBB

    Empower.JPG

    Empower Network


    Quote Originally Posted by Centry352 View Post
    So since none of you seasoned vets that have been on here for years literally, came back to correct this mistake, i'll do that right now, honesty is what we're shooting for here, right ? Truth? Right?
    I hope my two post Mea Culpa sheds a little light on some of your criticism. If not then I guess Friday is just our turn in the barrel as the ole lumberjack tale goes. Mistake? Not sure about that one.

    Honesty and the Truth? Your vociferous post is a bit of a tell, as with the last drive by poster I suspect you are involved in selling this program at some level. I do this for the lolz. End of day it is about giving people some information and letting them make a choice what they want to do with their money. I certainly look forward to your future contributions to this and many other threads at Real Scam.
    "When you get something for nothing, you just haven't been billed for it yet." - Franklin P. Jones
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  15. #15
    Whip's Avatar
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    Re: Mywarrantyrewards.com

    That's a pretty standard warranty disclaimer from any manufacturer also. I repair equipment for a living and customers think that because they abuse it in the warranty period, it's warranty. It's not. Same with mass merchants keeping lawn equipment outside 24/7. The manufacturer is not responsible for whatever happens due to that (parts missing, weather damage, etc.). That's a mass merchant corporate decision passed on to the stores. If the mass merchant chooses to make good on it, that's up to them.

  16. #16
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by ribshaw View Post
    Honesty and the Truth? Your vociferous post is a bit of a tell, as with the last drive by poster I suspect you are involved in selling this program at some level.
    If honesty and truth is all we wanted, the scammers wouldn't be allowed to post. And, of course that's the only reason they are here.

  17. #17
    Centry352 is offline Junior Member
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    Re: Mywarrantyrewards.com

    It seems to me that everything you listed above was about other companies, not Matrix Protection/My Warranty Rewards.

    Maybe you're assuming since those particular companies had issues or complaints etc that means the same will happen with this company.

    Problem with that is, once again, that doesn't make for a "proven" scam.

    I also find it funny that everytime you encounter one of these websites, join and make a post, the old war dogs there are so arrogant to think that you most certainly must be a rep within that company because you disagree with them or question their statements.

    As i stated in the beginning, i am not a rep with my warranty rewards, I am thinking of becoming one, and when i searched online, this site came up, so i decided to do further investigating as well as post my findings.

    Believe it or not, there are "Newbies" that may post here that are not affiliated with that particular program, yet disagree with some of what you're saying

    I called the number for DAC, i didn't just hang up after calling, i pressed a few buttons. The Auto Attendant said Warranty Global Group.

    Once I got someone on the line, they informed me they are Warranty Global Group and also Known as DAC.

    They also informed me that they are one of Matrix Protections Insurers

    Also you stated "You prefer" to put the money in the bank, then repurchase the item, once again, that's "You", and your opinion.

    Most people will not be that discipline, also, you can kind of view your monthly $29.97 payment for your coverage as "Putting money into the bank", since it covers unlimited items in your Household.

    I also noticed unless i missed it, you did not admit that KsChang was incorrect stating that My Warranty Rewards and or Matrix Protection were not on the AM Best website and that they or the other user who said it lied, when in reality KsChang made the mistake of looking up the actual Company/Program name and not the Companies Insurer which came right up, which odd enough was one of the biggest critiques on this review, that they would not disclose who they use to insure their Warranties and they lied about it being rated on AM BEST

    I know that BBB is a joke, because you can pay for a good rating, Consumers need to educate themselves on what a joke BBB is.

    But I hardly think with AM Best that you can do the same, so if Matrix Protections Insurer is listed there, then that's a positive in their column.

    I do agree that a full disclosure of all the ways that they can "Get out" of repairing your item needs to be front and center, but hanging them out to dry because "Other companies" have done or weren't ran properly is not fair in my opinion.

    The Warranty Industry is over 50 billion, so people are buying them regardless, mainly for retail price at the checkout counter, which puts bonus spiffs in the cashier and or sales persons pocket....
    Last edited by Centry352; 08-15-2014 at 04:13 PM.

  18. #18
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    Re: Mywarrantyrewards.com

    so people are buying them regardless, mainly for retail price at the checkout counter, which puts bonus spiffs in the cashier and or sales persons pocket....
    and you're wrong. NEW does not. If they did, they'd never have money to pay for whatever claims they do have. They do, however, pay real employees salaries so they don't have to guess whether or not they will make money. That's why there isn't near enough money to pay the scam and whatever claims are made against it when allegedly selling it for less. It's simple math. You can't pay out when you collect less than enough.

  19. #19
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    Re: Mywarrantyrewards.com

    Centry352:

    Now that you have had your say, and others have pointed out the problems with this program, and you don't think any of the people warning you have any merit to their argument, oops opinion, then by all means get off the fence and jump in this with both feet. Why are you still sitting on the sidelines and have not joined? In fact I think you should put as much money into this as you possibly can. Not only that you should get all your friends and family to join under you and buy every lead list you can to get people to signup under you.

    Just remember, this is a MLM company. To be a legal MLM company means that you must have 51% of your income coming from "RETAIL" customers, not anyone in your downline or upline. This means that not only you must have 51% of your income from "RETAIL" customers, but everyone else in this MLM company must also. I'm sure that everyone in this MLM will have no problem meeting this 51% income rule. You do plan on getting "RETAIL" customers, right? Then this is a slam dunk.

    I have extended warranties on all my major purchases. They are individual warranties and each is good for four years. My total cost for all my individual warranty contracts are cheaper than the one-year cost through MywarrantyRewards blanket policy.

    If this is so real, why do the people running it not want it known who they are? Not one word on the website about who is running this, and the registration is blocked so you can't find out? You would think that they would be so proud of this great legal program that they would want everyone knowing who they are. Ah, maybe they are just too shy and don't want to toot their own horn, so to speak. Well, they tried to hide but alas it didn't work. But once you know who they are you understand why they didn't want it known they were running this program. Sure sounds real to me, cough, cough.
    EagleOne
    Founder/President Eagle Research Associates
    http://eagleresearchassociates.org
    http://swindles.org
    Author: "Robbing You With A Keyboard Instead Of A Gun - Cyber Crime How They Do It" available in soft cover and eBook at Amazon.com
    Lifetime Member of the National Association of Distinguished Professionals

  20. #20
    Centry352 is offline Junior Member
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    Re: Mywarrantyrewards.com

    To Whip, my point was that people do indeed buy warranties, and the retail industry makes a killing from it on the side.

    In my younger days, i used to work retail, and we would literally get in trouble and job threatened if we didn't at least try and up sale the customer on a service agreement etc.

    To Eagle one, you indeed have pointed out "possible" issues, but were also wrong on others, it's funny nobody takes note to that, such as the mistake on stating they lied about 1, disclosing who they have agreement with to Insure their service plan, and 2, them being rated on AM Best...

    A simple phone call and catching kschang's mistake trying to look up the company instead of the insurer on AM Best corrected this.

    As far as joining, I literally just found out about this program 2 days ago and ran across this board putting in the class keywords on google that everyone does when weighing in on joining a program they never heard of.

    You stated I don't think you have any merit, incorrect, scroll up above and note where i said i agree they need to have full closure on all the angles they can use to evade honoring repairing your merchandise when the time comes, but hey, think about it, how often do major insurance companies these days, auto etc, try and figure out every angle to duck coverage when the chips fall, yet take your monthly installment from your checking account with a smile.

    I'd never market to family and friends, i know how to market quite well, and sell anything, so, that wouldn't be necessary if i did decide to join.

    As far as keeping the owners a secret, and privacy on domain, that's not completely true, both of those are easy fixes, and i will ask them about that, but, the owners name is right there on the sizzle call they provide, he actually states his name and gives a bit of a run down of the program.

    You can also call their office which i have twice now, the number is right on the website, and when i asked, i was told the owners names etc, also if it was that hidden, then how was it obtained by this forum and posted in earlier posts so easily? So that doesn't sound like much hiding to me. Overall i'd say they just need to maybe put it on the website, and take the domain privacy off, but also keep in mind, purchasing domain privacy is not always to hide, quite often it's so you are not hounded all through the business day by telemarketers and email spammed to death.

    They have companies that use software that searches through domain registration and hound you with credit card processing calls, seo, website design etc etc

    So maybe instead of automatically taking a negative outlook to why it was registered as private, maybe we should think of reasons why they elected to as many other website owners do as well.

    And of course I plan on getting Retail customers if i were to join, oh wait, let me guess, were you "Assuming" that i would only want to recruit, and not focus on the product as well?

    Well, you know what they say about the word assume, and quite honestly, to me, the smartest approach to this would be to lead with the value of the product, then move into the rep side of things if they want more information on it.

    Now on your comments about the costs, well to me, 1, once again, that's "opinion", 2, life is not cookie cutter. From the sounds of things, you don't own many electronics.

    So you can't compare your life to anothers, or the size of their family, or love for the gidgets and gadgets.

    As example, a $1000 television with square trade costs $169.99 to cover 1 television, i'm not sure if there are any shipping costs and or trip charge if the technician would have to pay a visit. I am also not sure if there is a deductible.

    Ok, in my household, i have 5 televisions, 4 are right at, to slightly over 1k a peace, 1 is around $500, the $500 television would cost me $99.99 to cover on square trade.

    Ok that's roughly $780.00, just to cover my televisions, with my warranty rewards id be paying $29.97 a month to cover them all, and a $25 deductible if i need repair on any of them

    Ok that's not counting the computers in my household, video game systems, i'm not sure if they cover small appliances that have a decent cost to them, but if so i have a nuwave oven, a high end blender, a $200 juicer, list goes on and on, my stereo equipment, which there are 3 systems here total, the surround sounds which there are 3 total, im sure im missing a bunch, but with my family size, i have a lot of electronics and constantly buying more, and actually overall, my family is not that big, 4 total.

    Also, Square goes back 30 days on your current electronics, my warranty rewards goes back 4 years, and as you said, your warranty lasts 4 years, my warranty rewards is lifetime as long as you keep up your payment, im also not sure if square repairs replaces or refunds your item....

    So, i'm not so sure your deal would be better, and i do agree, i need to have a serious talk with these people and understand how can they cover these products at that rate. See, i am paying attention and giving your post merit in areas, just like i did in the previous post.

    But i highly doubt you will on any of my posts for catching the mistake that was made, but hey, that's ok, i mean you guys are seasoned war dogs at this, so i doubt you would humble yourselves for a lil ol newbie like myself that is secretly a rep for this program lol.

  21. #21
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    Re: Mywarrantyrewards.com

    To Whip, my point was that people do indeed buy warranties, and the retail industry makes a killing from it on the side.
    But that is, as you say, an opinion. One based on your need to sell your scam.

  22. #22
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Centry252
    And of course I plan on getting Retail customers if i were to join, oh wait, let me guess, were you "Assuming" that i would only want to recruit, and not focus on the product as well?
    Here's a little tip for you while you're in your evaluation stage.

    Never mind what YOU intend to do, the problem is if someone CAN concentrate on recruiting and the company doesn't take steps to prevent it happening, then you're buying into a pyramid or endless chain recruiting scheme and it is guaranteed to fold up, whether it has a viable product or not.

    Forget about legality, once recruiters get into any MLM or DS business, that business is dead in the water.

    The only question is "when"

    Quote Originally Posted by Centry252
    people do indeed buy warranties, and the retail industry makes a killing from it on the side.
    What retailers do is irrelevant when we are talking about MLM or direct selling

    Quote Originally Posted by Centry252
    As far as keeping the owners a secret, and privacy on domain, that's not completely true, both of those are easy fixes,
    Perhaps they are "easy fixes" The point is, they haven't been "easily fixed"

    That there is a lack of information being provided by those behind an MLM or DS opportunity isn't an absolute indicator of fraud, but, it sure as h*** is a giant red flag.

    Well, to prudent potential members it is. Serial recruiters, on the other hand, don't give a damn.

    Quote Originally Posted by Centry252
    From the sounds of things, you don't own many electronics.
    SERIOUSLY ???

    You can intuit a persons' situation merely from the printed word ???

    WOW, with a talent like that, why do you need to be thinking about MWR ??
    The only thing necessary for the triumph of evil is for good men to do nothing

  23. #23
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    Re: Mywarrantyrewards.com

    Quote Originally Posted by Centry352 View Post

    And of course I plan on getting Retail customers if i were to join, oh wait, let me guess, were you "Assuming" that i would only want to recruit, and not focus on the product as well?

    Well, you know what they say about the word assume, and quite honestly, to me, the smartest approach to this would be to lead with the value of the product, then move into the rep side of things if they want more information on it.
    So can I assume you are an existing retail customer for a rep already in it? I ask because I didn't see any reference in your posts to being an existing customer - Maybe I missed it? Or should I assume you are not an existing customer and got interested because of the "opportunity" to make money as well as retail the product, of course. Oh and then buy the product for yourself at a discounted rate.
    Last edited by Char; 08-15-2014 at 08:46 PM.

  24. #24
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    Re: Mywarrantyrewards.com

    Centry352:

    Please advise me of just what I got wrong in my post.

    You sure made some quantum leaps in interpreting my comments and saying things that I did not say. I did not say you were without merit, what I said was "you don't think any of the people warning you have any merit to their argument, oops opinion." How you made the quantum leap that I said you were without merit is beyond me. Talk about assuming. I did not assume anything. You jumped to your conclusions totally on your own. But please tell me what I got wrong in my post.
    EagleOne
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  25. #25
    Centry352 is offline Junior Member
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    Re: Mywarrantyrewards.com

    Oh stop Whippy, once again, I'm not a rep, so I'm not selling anything.

    If I do decide to become one, you'll be the first to know, then you can say that I'm "selling a scam", in your opinion of course.

    All I said was in response to what someone said earlier about just saving money and rebuying the product, I was simply stating that being a 50 billion dollar industry, people indeed are buying extended warranties, mainly in retail stores at the checkout counter after being upsold, that's all I'm saying.

    To LittleRound, I agree, and have already stated I will ask them why they have not put that information on the site, but as far as privacy registration, I gave some very good reasons why many elect to do that.

    I also made valid points that they must have not hidden themselves that well because right here on this very forum, the owners names were posted with no problem, when I called the office and asked, she said the same names that were listed in an earlier post, and, when I called that sizzle number their reps hand out everywhere and also listed on various sites and blogs, the owner states his name right in the beginning of the overview. So to me, if this guy is in the business of hiding or masking his name, he's not very good at it.

    As far as how many electronics Eagle owns, in this case, yes, I can come to that conclusion simply by going from what he stated himself.

    I was just doing a comparison based on what he said, he said covering all of his items was cheaper than 1 year with MWR, well, if 2, 1k retail televisions with square costs roughly the same price in comparison for just 1 year of MWR, then yes, that would be very expensive for my household to go with square compared to MWR, plus the other factors tossed in such as only going back 30 days on items compared to 4 years with MWR and lifetime coverage compared to squares 2 or 4 year coverage. I did see that Squares site does say they do not have a deductible, so i'll make note of that.

    No Char I am not a customer, as I stated much earlier, I just found out about this program a couple of days ago, did a google search, found this forum, then decided to start doing my own investigating.

    As far as how other marketers market the product, I wouldn't be responsible for that, I am stating how "I" would do it.

    If I approached other marketers, I would lead with the opportunity, when out in the field speaking to the general public, I would lead with the coverage, if they decided to be a rep later, great, they are already a customer.

    Maybe the company has already, or if not, could start requiring a mandatory number of retail customers in the reps pipeline in order to be in compliance or they will be forced inactive.

    That's something else I will bring to their attention

    Just curious, are any of you working a program? And if so, which one?

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