Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/25/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a total loss on my 2017 ***** accord in about January 2025 and ***** deemed my car a total loss and submitted payment to Beneficial state bank leaving an amount of $5,017 for allied solutions to pay. My claim has been in the "final stages" for about a month now and I can not reach anyone except the representatives. I recorded a call where I am being told they can not transfer me due to an issue with their system, the claims adjuster is busy, there is no way to speak with any higher *** about this issue. One representative was very rude and informed me that it takes about 30 days after the claim is sent to the adjuster however its been over 30 days. I've gotten hung up on and given the complete run around when its come to getting paid for my car in which I have paid them money since I got my car two years ago. I'm sure the total of what I paid them is around $3000 so I am unsure as to why they can not cover the amount and swiftly. As of now, I am without a car as I can not go get another one until they pay my car off. I need assistance or to contact an executive to discuss this and get my payment.

  

  Business Response

  Date: 04/02/2025

  April 2, 2025
  
  Ms. ******* *****
  BBB of ***************
  *************************************************************************
  
  Re:        Complaint ID:                23114861
  Claim number:             **********
  Consumer Name:       ******* ******
  
  Dear ************ To Whom It May Concern: 
  
  Thank you for the opportunity to respond to the consumer complaint dated March 26, 2025. This claim was resolved with a payment of $2,743.34 on March 26, 2025, and it is therefore likely that this consumer complaint is moot. Regardless, Allied presents its timely response in good faith.
  
  Allied provides claim administration services for guaranteed asset protection (***) programs sold to consumers by financial institutions and underwritten by insurance carriers. *** is a non-insurance debt cancellation contract entered into between a lender and a borrower in conjunction with a vehicle loan. Allied is not a lender and not a party to the *** Waiver. Upon the total loss or unrecovered theft of a vehicle, the lender agrees via the *** Waiver to cancel or waive the remaining deficiency balance on the loan after application of the primary insurance payment, subject to the exclusions and limitations set forth in the *** Waiver.
  
  In this case, our records reflect the purchase of a *** Waiver, a true and accurate copy of which is attached, by ******* ****** **** ******) from ********************* (Beneficial) on July 8, 2023, in conjunction with her purchase of a 2017 ***** Accord (Collateral).   Ms. ****** experienced a total loss of the Collateral on January 26, 2025, and a *** claim was filed on February 11, 2025.
  
                  The *** Waiver Addendum provides,Additionally, this Waiver does not include the following: . . . Any refundable additions to amount financed. The *** Waiver Addendum further states The amount financed at loan origination exceeding . . . 125% of the **** Power Values Guide on used Eligible Collateral will not be waived under this *** Waiver Addendum. The **** Power Values Guide valuation was $19,025 on the date of purchase, and Ms. ****** financed a total of $26,384.53, for a loan-to-value (LTV) ratio of 139%.
  
                  This results in an over loan, in which there can be no liability under the *** Waiver Addendum above 125% LTV. In the event the actual LTV exceeds the maximum LTV limitation, the claim is adjudicated so that the borrower will receive the maximum benefit allowable under the *** waiver, in this case 125% of the LTV.    The loan amount is re-amortized for purposes of this calculation using the maximum LTV of 125%.  Payments are then applied per the amortized amount, as well as the primary carrier payment. This calculation resulted in a balance of $21,388.11, which is detailed on the attached Excel worksheet.
  
                  Ms. ****** also financed a refundable warranty at the time of purchase, in the amount of $1,199. As detailed on the worksheet, this amount was subtracted from the amount waived under the *** Waiver. If no refund was available, or if a reduced amount was refunded on a pro rata basis, Allied will supplement its payment under the *** Waiver. Once accounting for the primary insurers payment, the over loan, and the refundable warranty, the total amount to be waived under the *** Waiver Addendum is $2,743.34. On March 26, 2025, this amount was paid to Beneficial.
  
  We consider the matter resolved and trust our response has answered all questions. Please contact Allied should you need any additional information.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ******* J. ***** Jr.
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC

• Initial Complaint

  Date:03/12/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Allied Solutions was supposed to provide IHMVCU (IH *******************************) with my vehicle insurance declarations that I sent in on January 17th, 2025, to ************************************** IHMVCU has added thousands and thousands of dollars to my loan for CPI when I have never been without insurance since the purchase of my vehicle. I received confirmation that all documents were received and to give it 72 hours for the account adjustment. My most recent statement shows no adjustments to the loan. I called IHMVCU for them to tell me there were never any documents sent in, and I had to call Allied Solutions. After being hung up on twice I spoke with ******* ******** who told me he had no emails that I sent in proof of insurance. I asked him if I could send it right now to him and he said no, he would have to contact my insurance for proof of insurance. I asked why since I had already been given the email to submit all declarations to back in January. He did not have an answer, he just said the insurance company had to send it straight to them. He put me on hold twice for quite some time to contact my insurance. He said he left them a message to fax the declarations in. I called my insurance, and they had no messages or request from Allied Solutions. So, after many hours there is no resolve, and my loan is not fixed. I don't know who else to call to get this fixed as everyone gives a different story.

  

  Business Response

  Date: 03/14/2025

  We do apologize for the consumer's difficulty in getting connected to our call center. We are reviewing our system to determine why their calls were dropped.  We are also unable to determine why any e-mail they advised they e-mailed was not received by our offices. Regarding the need to confirm insurance coverage data with the agent/carrier, this is standard procedure for our offices when there are multiple years of missing insurance information.  A policy declarations page is a record at a point in time, and could be inaccurate based on subsequent cancellations after the date the declarations page was produced.  We did attempt to obtain that confirmation from the consumer's agent while they were placed on hold, in hopes that we could resolve the matter at that point, but the agency refused to confirm the coverage and required us to submit a request via e-mail or fax.  ********** did send an e-mail, and we cannot speak to why the agency told the consumer later that they had not received it. We did submit a separate fax request on March 13th.  Our fax system confirmed it was received by the office.  The consumer called us back on March 13th as well, and we attempted another call to the agent to obtain confirmation of coverage. On this attempt the agent's office was willing to confirm coverage details that were needed. We do not know why the agency refused during our first call to their office.  As all of the necessary information/documentation has been received all of the *** the consumer's lender purchased to protect their interest in the collateral has been cancelled, and refunds of premiums paid by the lender are being processed.  We suggest that the consumer allow 7 to 10 business days for any processing of refunds of charges made by the lender to their loan related to the ***. They should contact their lender to confirm any refunding of charges the lender made to their loan.  ********** only bills insured lenders, and has no information on specific charges made by the lender on loans.

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is a forced placed insurance company, who I have a policy with because I was uninsured at the time of my wreck. My wreck was June 31st and my claim was created shortly after. This claim has been open now for 9 months with zero progress. I do not believe that they have fulfilled their minimum duty of care and I would like to know what my options are. There was certainly a delay on my part from not understanding the process which went on to about November, where I finally was able to get my car into an auto shop (Champa Auto repair in ******, **). Since this point, they have not communicated with me or the auto shop sufficiently to move the process forward. I call them every nearly week and they have thorough notes about our interactions. The first major issue I found was that when they received documentation from ******, Allied said they would file it that day, and then failed to do so until I followed up with them the following week. The thing that sent me over the edge and why I am reaching out to you is that, after two months of calling them every week, I was told Dec 30 that the auto shop never attempted to send photos. Not only do I know this is not true because I had the auto shop forward me the original message, but neither I nor the auto shop were contacted about this discrepancy. Even if it were true, they had. months to tell me and have me correct it. I had to reach out to the auto shop to get this resolved. After I did, they told me that their email system is on a 3 day delay so I had to wait even longer, and now they are claiming that because they never received photos, the process had "never actually started" and that is could take another 6 weeks to finalize my claim. I believe they are intentionally causing delays so that I am liable for the paying down the loan and they do not have to pay as much in my total loss claim. If I hadn't made a deal with ******, this would have cost me $100/day since Nov. I've already escalated it to management twice.

  

  Business Response

  Date: 03/03/2025

  We are unable to review this matter without the individual providing their claim # or the *** of the vehicle in question.  Would you please contact them and request and let us know the response?

  Customer Answer

  Date: 03/04/2025

  My claim number is **********

  

  Business Response

  Date: 03/10/2025

  Thank you for the opportunity to respond to the consumer complaint identified above, dated March 3, 2025. On that same date, Allied was able to settle this claim. While it is likely that the instant complaint is therefore moot, this response is timely filed in good faith.
  
  Allied Solutions, LLC (Allied) serves as an agent and third-party claims administrator for ************************* (the Insurer). The Insurer issued a master collateral protection insurance (***)policy to ******************** (Alliant CU) to protect Alliant CUs interest in secured collateral in the event a borrower fails to provide evidence of the required insurance coverages as required by the loan agreement. If adequate insurance was not in place, the lender has the right to purchase coverage to protect their interest in the collateral and pass the cost of the insurance on to the consumer. Allied does not charge consumers for force-placed insurance products Allied bills the insured financial institution, and they choose how to handle the cost.
  
  Mr.***** did not provide proof of required insurance coverages on his 2017 ****** Impreza (the Collateral) and a *** policy was placed on the loan to protect Alliant CUs interest in the Collateral. Alliant CU, not Mr. ****** is the Named Insured under the *** policy, which only provides comprehensive and collision coverage up to the value of Alliant CUs interest in the Collateral.
  
  On or about July 1, 2024, the Collateral was involved in a single-car collision with a tire left in the road, damaging and eventually totaling the vehicle. Allied was notified of this collision on July 15, 2024. On August 15, 2024, Allied completed its investigation into the claim and made payment in the amount of $4,112.34 as the cost of repair to Alliant CU.
  On September 13, 2024, Mr. ***** contacted Allied and requested a supplemental claim and potential payment under the *** policy. On October 7, 2024, the procedure for supplemental claim was explained to Mr. ****** auto repair shop, including the need for damages to be documented by photographs. On October 15, 2024, that shop contacted Allied to ensure that their supplemental information had been received on October 11, 2024, which was confirmed. On October 24, 2024, Mr.***** was informed that the supplemental materials were recently sent to PRO AA, Allieds appraiser in this matter. On November 13, 2024, the appraiser determined that the additional damages resulted in a total loss, and requested photographs from the auto repair shop.
  
  Mr.***** continued to follow up on this claim, and Allied continued to explain that it was waiting for the photographs to document the total loss. There was some confusion during this period with respect to whether the auto repair shop had sent photos or not. This was cleared up on or about February 13, 2025, when it was discovered that the auto repair shop had been attempting to submit photos, but the files could not be opened by either Allied or Mr. ****** The photos were received on February 18, 2025. On March 3, 2025, independent of Mr.****** complaint, filed the same day, Allied made full and final payment to ******* CU in the amount of $3,949.63.
  
  Mr.***** complains that he remained responsible for payments on the vehicle and premiums for the *** policy while the claim was being adjusted. This would be an issue between Mr. ***** and Alliant CU. The *** policy does not cover storage fees. Mr. ***** was apprised of this fact by Allied and/or agents of Allied numerous times throughout the claims handling process.
  
  This claim has been appropriately adjusted and we trust that this response will conclude this matter. Please contact Allied should you need any additional information. 

• Initial Complaint

  Date:11/19/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Allied placed a bogus charge against me, even after Altra asked for it to be waived. They are a money hungry company who has hung up the phone multiple times when asking for proof of the alleged non proof of insurance. They fail to listen to my insurance company when they were told I was covered under a total loss event given the ***** period of ***** days under TEXAS LAW Even after given all this information they refuse to take my phone call to fix this bogus charge. Its clear they only care about money, ***** asked you to fix it and you did not. I want a refund of 691 dollars immediately or Ill have to contact my state comptroller to get involved for these bogus charges. You cant pick and choose which laws you want to follow. I have incredible insurance 10 times the state minimum. This is a gross over reach by both Altra and allied insurance. Hanging up the phone when I press you on the matter is unprofessional, and proves you only want the money to be greedy.

  

  Business Response

  Date: 11/25/2024

  Refer to attached

  

  Business Response

  Date: 11/26/2024

  Hopefully it attaches this time. If not, please provide an e-mail I can send to.

  Customer Answer

  Date: 11/28/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
   
  

  Go *************, you pieces of ************  

   

  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***** ****

  
  

• Initial Complaint

  Date:10/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased ************* when I purchased my vehicle. My vehicle was totaled by my insurance company, **********, on August 4, 2024.******************* was the lienholder on the automobile. ********** paid to ****** $8,171.68. The amount owed on the car was $9,601.74. My understanding is that the *** pays the difference in the amount my insurance company paid and the amount owed on the vehicle. The definition of Gap in the Gap Contract is "the difference between the ***************** Carrier's physical damage insurance payment for Unrecovered Theft, Total Loss or Constructive Total Loss...." By my calculations the *** would owe to me $1,430.06. I received a denial letter from Allied Solutions on October 28, 2024, along with a worksheet. From what I am able to ascertain, they are deducting the warranty amount I purchased with the vehicle in the amount of $2,824.00 against the $1,464.15 they claim they owe me leaving a negative balance or $1,358.85 so basically a denial of my claim. However, I do not believe this is correct. The warranty company paid ****** the amount of $587.79 when the car was totaled. I do not believe Allied should be including any of the money I received from the warranty and certainly not the full amount of the warranty. I have attempted contact Allied on multiple occasions via phone and email since August 4, 2024 when State Farm totaled the vehicle. I received no response either via phone or email until October 28, 2024 notifying me that they denied my claim.Allied should pay me the difference between what was owed on the car and what State Farm paid for the car. This is the whole reason for purchasing the *** insurance in the first place. If their logic rings true, then there would be no need for the *** insurance if I purchased a warranty. What exactly does the warranty has to do with the car being totaled - none! Allied has been unprofessional by not returning my calls or my emails.

  

  Business Response

  Date: 11/07/2024

  November 7, 2024
  
  Ms. ******* *****
  BBB of ***************
  *************************************************************************
  
  Re:        Complaint ID:                22493987
  Claim number:             20241177306
  Consumer Name:       ***** ********
  
  To Whom It May Concern: 
  
  Thank you for the opportunity to respond to the consumer complaint dated October 31, 2024. As a result of this review,Allied has made payment in the amount of $865.15 pursuant to the terms and conditions of the *** Waiver, which is detailed below.
  
  Allied provides claim administration services for guaranteed asset protection (***) programs sold to consumers by financial institutions and underwritten by insurance carriers. *** is a non-insurance debt cancellation contract entered into between a lender and a borrower in conjunction with a vehicle loan.  Allied is not a lender and not a party to the *** Waiver.  Upon the total loss or unrecovered theft of a vehicle, the lender agrees via the *** Waiver to cancel or waive the remaining deficiency balance on the loan after application of the primary insurance payment, subject to the exclusions and limitations set forth in the *** Waiver.
  
  In this case, our records reflect the purchase of a *** Waiver, a true and accurate copy of which is attached, by ***** ******** **** ********) from ******************* (Bellco CU) on June 5, 2021, in conjunction with her purchase of a 2013 ****** Pathfinder (Collateral).   Ms. ******** experienced a total loss of the Collateral on June 27, 2024, and a *** claim was filed.
  
                  The *** Waiver Addendum provides,Additionally, this Waiver does not include the following: . . . Any refundable additions to amount financed.
  
                  Ms. ********* primary insurer,State Farm, paid the *** amount of $8,171.68, leaving a balance on the loan of $1,465.15. According to the terms and conditions of the *** Waiver, no refundable additions to the amount financed are waivable. When Allied originally calculated the amount to be waived, it determined that the entire amount of a warranty purchased at the point of sale by Ms. ******** was refundable, in the amount of $2,824. As that refundable amount exceeded the balance of the loan, there was no amount to waive pursuant to the *** Waiver.
  
                  Upon review of the file with respect to Ms. ********* complaint, it was discovered that the warranty refund was in the amount of $600, leaving a loan balance of $865.15. This amount has now been paid to ********* to reflect the waiver of that loan balance.
  
  We consider the matter resolved and trust our response has answered all questions. Please contact Allied should you need any additional information.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ******* J. ***** Jr.
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC

  Customer Answer

  Date: 11/12/2024

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. However, as of November 11, 2024, the refund has not been deposited into my Bellco account.  Once the deposit is made, I will be satisfied.

   

  Thank you BBB for helping me with this.  It is much appreciated.
  
  
  

  Regards,

  ***** ********

• Initial Complaint

  Date:10/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a claim with allied for a total loss car loan. My bank handled communication, but all my claims were denied without any letter of denial or reason given to the bank's representative that handled my case. Upon emailing my claims representative, she said she was of no obligation to provide me any information about my claim given that my bank is the insurer, but still denied my claim after charging me for the insurance.

  

  Business Response

  Date: 10/17/2024

  October 17, 2024
  
  BBB of ***************
  Ms. ******* *****
  Accredited Business Dispute Resolution Specialist
  *******************************************
  
  Re:        Complaint ID:                22404173
  Claim number:             **********
  Consumer Name:       ******* *****
  
  Dear Ms. ***** or To Whom It May Concern: 
  
  Thank you for the opportunity to respond to the above-reference consumer complaint dated October 10, 2024.
  
  Allied Solutions, LLC (Allied), is continuing to investigate this claim, which investigation has been expedited,and will provide an update as soon as possible.
  
  Allied will supplement this response in the near future. We appreciate Mr. ****** patience and for the opportunity to ensure that all benefits for coverage triggered by this claim are issued.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ******* J. ***** Jr.
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC

  Customer Answer

  Date: 10/20/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  There has been no attempt to contact me and my claim has been denied two times, but the response given to BBB was in contradiction to this. You have at least lied to either myself or them and never attempted any sort of contact to clarify the situation. You said my claim is under review to BBB and told my banks representative that it was denied twice. Please make an attempt to contact me in any manor at all to clarify the situation so I can make progress on my claim.

   
  Regards,
  
  ******* *****

  
  

  

  Business Response

  Date: 10/25/2024

  October 25, 2024
  
  BBB of ***************
  Ms. ******* *****
  Accredited Business Dispute Resolution Specialist
  *******************************************
  
  Re:        Complaint ID:                22404173
  Claim number:             **********
  Consumer Name:       ******* *****
  
  Dear Ms. ***** or To Whom It May Concern: 
  
  Thank you for the opportunity to supplement our previous response to the above-referenced consumer complaint dated October 10, 2024.
  
  Allied Solutions, LLC (Allied) serves as an agent and third-party claims administrator for ************************* (the Insurer). The Insurer issued a master collateral protection insurance (***) policy to LA ******************** (*****) to protect ****** interest in secured collateral in the event a borrower fails to provide evidence of the required insurance coverages as required by the loan agreement. The secured collateral in this matter was a 2013 ********** Tiguan (the Vehicle).
  
  Mr. ***** failed to secure required insurance coverages, so a *** policy was put into place. A *** policy does not provide any liability coverage and is not subject to state laws regarding minimum coverage. The *** policy protects only ****** interest in the *********************** ***** is the Named Insured on the *** policy.
  
  On January 30, 2024, the Vehicle was involved in an accident resulting in a total loss. Allied was informed of the claim in early February. In early May, an unfortunate miscommunication between LAFCU and Allied resulted in Allied denying the claim.  Upon receiving the instant complaint, Allied directed its claims department to reinvestigate the claim. It was discovered that the claim was eligible for coverage and was immediately reviewed and adjusted.The final *** settlement of $5,468.50 was determined.
  
  At present, Allied has contacted ***** to receive the premium payment for the *** policy. Once received, Allied will release the *** payment. We appreciate the opportunity to discover the miscommunication on this file and to ensure that all amounts due and owing are properly paid. Once the above-mentioned premium payment is made and the *** payment is released, this matter will be fully concluded. Please contact Allied should you need any additional information.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ******* J. ***** Jr.
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC

• Initial Complaint

  Date:10/09/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a car in 9/2022 I didn't get insurance on it until 12/2022. ********************* got a policy that should have been prorated after I received insurance. I was told the original 1-year policy would have been $3452 per year, making it $287.66 per month for 3 months should have been $863, but I paid ******* billed from allied to Columbia credit union as Allied didn't issue an appropriate refund. *** told me I had to go through Allied to get a refund but they have been unresponsive. I would like the difference refunded back to me or credited back to my account at ***

  Customer Answer

  Date: 11/06/2024

  It wasn't more than 12 months ago as payment was still being taking less that 12 months ago 

  

  Business Response

  Date: 11/08/2024

  The collateral protection insurance coverage purchased by Ms. ******** lender, *********************, does not include a daily or monthly pro rata refund method. The refund provided to the insured lender was done in accordance with the filed and approved refund rates of the policy. If coverage is afforded for ****** days, 42% of the annual premium (rounded to the nearest whole dollar) is fully earned.  No further refund is due to the insured lender.

• Initial Complaint

  Date:08/08/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a ************* claim in march/April of 2024. It took 4+ months to finish the claim when my primary auto insurance took less than a week. Allied Solutions did not pay the full left over balance and when I asked someone why they hung up on me while I was in the middle of talking to ask if someone could explain the worksheet to me. They were very unprofessional.

  

  Business Response

  Date: 08/16/2024

  
  August 16, 2024
  
  Ms.*************************
  BBB of ***************
  *******************************************
  
  Re:         Complaint ID:                   22115524
  Claim number:                **********
  Consumer Name:          *****************************
  
  Dear ************** Or To Whom It May Concern: 
  
  Thank you for the opportunity to respond to the consumer complaint dated August 8, 2024, which was sent to Allied Solutions, LLC (Allied), on August 9, 2024.
  
  Allied provides claim administration services for guaranteed asset protection (***) programs sold to consumers by financial institutions and underwritten by insurance carriers. In this case, our records reflect the purchase of a *** waiver, a copy of which is attached, by ***************************** (******************) from U.S. Auto Sales, **** (US Auto) on September 28, 2023, in conjunction with the purchase of her 2014 **** Fusion (Vehicle). The total amount financed was $24,454.93. The value of the vehicle at the time of purchase was $13,075, pursuant to the attached ****Power valuation as of the date of purchase, and a service contract was added to the loan total in the amount of $1,076.46, resulting in an over loan because the contractual limit of liability under the *** waiver is 150% of Loan-to-Value ratio, or $19,612.50.
  
  As part of our claims administration services,upon notification of a total loss, US Auto provides the documentation to Allied required to be able to calculate the amount eligible for waiver under the *** Waiver Addendum.  The *** Waiver Addendum expressly excludes (9) the recoverable portion of financed credit insurance charges, or the recoverable portion of financed amounts for service contracts or warranties that are owed to the Borrower/Debtor on the Date of Loss; and (12) [Debt]Consolidation amounts added to the original financing of the Eligible Collateral. The *** Waiver Addendum further states that We will not waive that portion of the Unpaid Net Balance attributable to the original Installment Contract amount exceeding 150% of the **** on new Eligible Collateral, or 150%of **** Power Clean Retail on used Eligible Collateral, including amounts financed for ancillary products.
  
  Based on the **** of the Vehicle at the time of sale, the Loan-To-Value ratio at the inception of the loan was 187%. On April ******, Geico paid as follows in settlement: actual cash value $10,820.13, Fees $18.00, Deductible $500, TOTAL NET $10,338.13. The outstanding loan amount, once accounting for the over loan,deductible, and excluded service contract fees, was $4,300.42. Allied made payment in this amount to US Auto on August 8, 2024.
  
  Allied spoke with ****************** directly on several occasions regarding the settlement. Allied understands that ****************** is unhappy with this result, but denies any improper behavior in the handling of this claim and/or any interactions with ******************.  If further documentation is available, Allied will review and respond to it in a timely manner.
  
  This claim has been appropriately adjusted pursuant to the terms of the *** Waiver Addendum. We consider the matter resolved and trust our response has answered all questions. Please contact Allied should you need any additional information.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ********************************
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC
  

  Customer Answer

  Date: 08/16/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  Agents were very rude when I called. It took months for me to even get anywhere with the claim. I tried to ask a question regarding an email I was sent and the lady hung up in the middle of me talking. I paid for GAP in the event of a total loss and barely half was paid toward the account. I was trying to figure out why. No one would explain the terms to me. I don't know what an over loan is. And I'm not the one that did the numbers with my auto contract. All the words they use confuse me. Instead of answering questions and explaining things to me, I would get hung up on or transferred then hung up on. The last person I spoke to was very rude when she said I had already called. I tried to explain I needed questions answered but she was still rude. None of my questions were even answered. She emailed the worksheet to determine what would be paid but would not explain to me what I was looking at. 
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:07/22/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Through ****** ********************* in *************, *** insurance was purchased from Allied as an add on. My ****** was totaled in May 2024 and ****************** paid on the claim. The *** insurance was supposed to pick up the balance. ****** Heritage just keeps saying that *** through Allied says in process. In the meantime, I have paid two double payments, one for the car that was totaled and one for the new vehicle. ****** Heritage, the lender, said they cant give me the phone number to Allied. This has been going on for 3 months with no payment to ****** Heritage from Allied resulting in double car payments!

  Customer Answer

  Date: 07/20/2024

  Hello, 

  I have been waiting for months for *** insurance to be paid and have to now make double payments.  One payment is for a car that was totaled  Allied Solutions ************* is through ****** ********************* in *********   ****** Heritage would not provide details other than the *** is through Allied. 

   

  I believe the company is Allied Solutions.  

  *********************;

  ******, IN 46032 

   

  ************

   

  ***********************;

  ********************

   

  

  Business Response

  Date: 07/29/2024

  Dear ************** Or To Whom It May *************************** you for the opportunity to respond to the consumer complaint dated July 22, 2024. It appears that this claim was paid several days before this complaint was filed,and therefore this matter is likely resolved.
  
  Allied provides claim administration services for guaranteed asset protection (***) programs sold to consumers by financial institutions and underwritten by insurance carriers. In this case, our records reflect the purchase of a *** waiver by *************************** from ******************************* (Heritage CU) on August 7, 2023, in conjunction with the purchase of her 2017 ****** Impreza (Vehicle). As part of our claims administration services, upon notification of a total loss, Heritage CU provides the documentation to Allied required to be able to calculate the amount eligible for waiver under the *** Waiver Addendum. 
  
  On April 12, 2024, the Vehicle was involved in a collision resulting in its total loss. On or about May 20, 2024, Allied was informed of the loss. On May 29, 2024, Allstate as primary insurer made payment in the amount of $11,623.50. On July 19, 2024, payment pursuant to the *** waiver was made to Heritage CU in the amount of $4,750.67.
  
  It appears as though this complaint and the subject payment overlapped, and Ms. ********** issue has been resolved by that payment. This claim has been appropriately adjusted pursuant to the terms of the *** waiver. Please contact Allied should you need any additional information.
  
                                                                                                                                  Sincerely,
  
                                                                                                                                  /s/ RJ Proie______  
                                                                                                                                  ********************************
                                                                                                                                  Senior Legal Counsel
  Allied Solutions, LLC

  Customer Answer

  Date: 07/30/2024

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 
  
  
  

  Regards,

  ***************************

• Initial Complaint

  Date:07/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 4/4/2024 my car was totaled, my insurance paid out their portion of the balance for my loan and I was told from Allied insurance when I spoke to them in May 2024 that my claim had been approved and that they would be paying out the remaining balance within a few weeks. It is now July 17th and I have not received anything from Allied regarding my GAP insurance claim. I called today to check the status of the payout as my remaining balance has been accruing with interest and late fees since Allied has not paid them the remaining balance. When I spoke with a representative today they said my claim was denied and to contact my bank for further details. I then asked to speak with a supervisor and was hung up on. I called back again to find out what was going on and why my claim was denied and they said the same thing, I once again asked for a supervisor and was told there is no supervisor working and to call another day. I then stated again that I want to speak with a supervisor and the representative said ****** just say what I already told you in which I replied that is fine, I still want to speak with a supervisor. I once again was ignored and disregarded and just put on mute as I waited over 2 hours to speak with a supervisor. I just want my remaining balance paid out and for this company to actually do good by their customers versus stealing from them.

  

  Business Response

  Date: 07/24/2024

  Thank you for the opportunity to respond to the consumer complaint dated July 17, 2024, which was sent to Allied Solutions, LLC (Allied), on July 18, 2024.
  
  Allied provides claim administration services for guaranteed asset protection (***) programs sold to consumers by financial institutions and underwritten by insurance carriers. In this case, our records reflect the purchase of a *** waiver, a copy of which is attached, by *********************** (****************) from ******************************* ******************** on April 4, 2020, in conjunction with the purchase of her 2017 Infinity QX30 (Vehicle). The total amount financed was $31,543.00, including $11,724.23 in negative equity for a trade in, and $2,850 for a service warranty agreement,as reflected in the attached retail agreement and warranty contract.
  
  As part of our claims administration services,upon notification of a total loss, ****************** provides the documentation to Allied required to be able to calculate the amount eligible for waiver under the *** Waiver Addendum.  The *** Waiver Addendum expressly excludes (9) the recoverable portion of financed credit insurance charges, or the recoverable portion of financed amounts for service contracts or warranties that are owed to the Borrower/Debtor on the Date of Loss;and (12) [Debt] Consolidation amounts added to the original financing of the Eligible Collateral. The *** Waiver Addendum further states that We will not waive that portion of the Unpaid Net Balance attributable to the original Installment Loan amount exceeding 135% of the **** on new Eligible Collateral,or amount exceeding 135% of NADA ****** on all used Eligible Collateral,including amounts financed for ancillary products.
  
  Based on the **** of the Vehicle at the time of sale, the Loan To Value ratio at the inception of the loan was 146%, as the Vehicles value was $21,650 and the amount financed was $31,543. On April 5, 2024, Geico paid as follows in settlement: Actual Cash Value $14,410, Tax $1,152.80, Deductible $500, TOTAL $15,062.80. The outstanding loan amount, once accounting for the over loan, deductible, and excluded service contract fees, was $10,774.68. Even removing the deductible and service contract fees results in an outstanding loan total of $14,593.74, less than the Geico settlement amount. Therefore,there is no balance to waive and no liability under the *** waiver.
  
  Allied spoke with representatives from ****************** and **************** directly on several occasions regarding the settlement.  Allied understands that **************** is unhappy with this result, but denies any improper behavior in the handling of this claim and/or any interactions with ****************. If further documentation is available, Allied will review and respond to it in a timely manner.
  
  This claim has been appropriately adjusted pursuant to the terms of the *** waiver. We consider the matter resolved and trust our response has answered all questions. Please contact Allied should you need any additional information. 

  Customer Answer

  Date: 07/24/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  Your company states that the ratio was above what you would cover and if that was the case from the beginning of the policy than you should have not approved this policy to take effect. I want either the remaining balance for my loan paid off or a refund for my policy. Also the document that you supplied with the percentage written in was not correct as you state it was 146% but the document states 136%. Regardless of the fact it is still over the ratio in which your company is claiming has to be under 135% so your company should either honor the policy or refund me for the cost of the policy as you are now in breach of the policy itself.  
  
  Regards,
  
  ***********************
  

  

  Business Response

  Date: 07/29/2024

  Thank you for the opportunity to continue to respond to the above-referenced consumer complaint.
  
  *************** has misinterpreted the purpose and effect of the Loan-To-Value (***)ratio. This figure, which Allied has correctly calculated at 146%, does not determine whether a customer is eligible to purchase a *** Waiver Addendum, but rather sets a maximum limit subject to cancellation under the *** Waiver Addendum. In this case, Ms. ******* loan included $11,724.23 in negative equity from a trade-in vehicle. The *** waiver exists to waive the difference between the actual cash value of the vehicle that is collateral for the loan itself and the outstanding loan balance, and may include negative equity but only up to the maximum *** of 135%.   The *** Waiver Addendum explicitly states: I understand the Lender will not waive that portion of the Unpaid Net Balance attributable to the original Installment Loan amount exceeding 135% of the **** ****** on a used Private Passenger vehicle.
  
  Furthermore,the *** Waiver Addendum expressly states that the *** ratio Will be confirmed for accuracy by calculation performed by the *** administrator at time of claim. This language is explicitly included on the *** Waiver Addendum to ensure that the consumer understands that the *** listed on the *** Waiver Addendum may be inaccurate, as it was here. It appears the seller used the incorrect **** value for the vehicle. At the time of Ms. ******* claim, the *** ratio was calculated to ensure accuracy and determined to be 146%.  As previously stated, there is no balance to waive under the *** Waiver Addendum.

  
  Please contact me directly with any further questions.

  Customer Answer

  Date: 07/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***********************