Complaints

This profile includes complaints for Louisiana Dealer Services Insurance, Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Louisiana Dealer Services Insurance, Inc has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Louisiana Dealer Services Insurance, Inc

  10543 S Glenstone Pl Baton Rouge, LA 70810-7819

  
• 

  Louisiana Dealer Services Insurance, Inc

  PO Drawer 83480 Baton Rouge, LA 70884-3480

  

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:10/22/2024

  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 purchased a LDS warranty and I had my car at ***** **** without a loaner incurring rental over 500.00 for 9 days. ***** **** was unable to fix the vehicle which their lack of knowledge was costing me rental costs by the 100's. Finally I discovered that ********* *** would take the LDS insurance and was able to fix the car and LDS refused to pay, holding my car hostage to ***** **** who doesnt know their behind from a hole in the ground steady costing me rental and when I got my car fix by *** ******** they **** as well as ***** ***** told me that because LDS paid for a compressor they wont eat the cost of that compressor that I had to eat the cost taking it to another Dealer who does take LDS what difference should it make as long as the problem is resolved, LDS has taken customers check the reviews for a ride for a while. I spoke to ***** ***** who literally lied through his teeth saying that I should have told LDS what was going on. I didnt have to tell them, because they already knew. They are ripping off customers and I will plaster them all over social media for how I was treated and hopefully their doors will be closed soon so that no other consumer will be ripped off as they have ripped me off. That repair should have been covered but it wasnt

  

  Business Response

  Date: 11/08/2024

  Ms. *****,
  Louisiana Dealer Services Insurance, Inc. has paid $6,702.08 on your behalf for claims under your LDS mechanical breakdown insurance (MBI) policy, including the claim for the installation of a new air conditioning compressor in October 2023. The new air conditioning compressor was installed on your vehicle by a franchise dealer and came with a two-year warranty from General Motors. When you submitted another claim regarding your vehicle’s air conditioning compressor one year later on October 2, 2024, LDS reminded you of the two-year manufacturer warranty covering the air conditioning compressor and provided instructions for you to return to a General Motors dealer of your choosing so that General Motors could honor the warranty. Instead, you elected to use an independent repair shop, which LDS explained to you is not able to perform manufacturer warranty work. The terms of your LDS policy state that repairs covered by a manufacturer warranty are excluded from coverage under the LDS policy because there is coverage for the repairs under the manufacturer warranty.           

  Customer Answer

  Date: 11/11/2024

  
  Complaint: 22460224
  
  I am rejecting this response because: I paid for a warranty in FULL IN CASH to start with and payments rendered on behalf of my claims were valid and I was entitled to each and every one of them. Initially I took my car to ***** **** for a noise not an aircondioner. I was advised by **** of LDS to do so. I have spoken with ****** ****** of ***** **** and we are in the process of working it out. LDS has shown no concern for my issue, and is a waste of time and money. The nerve of them mentioning what has been paid on my behalf I was certainly entitled to those payments. They didnt give me anything I wasnt entitled to but the rudeness and lack of concern. . They could care less about honoring their responsibility it's disgraceful and dishonest how management is more concerned about fellow employees working for them in the words of ***** ***** than trying to resolve and give at least minimal attention to my very upsetting issue. I found a sound mechanic shop that takes LDS to fix my vehicle they refused to pay, I ended up paying the money so why have a warranty if the only thing you get in return is uncertainty. I have bought warranties from LDS for years and never had this type of dishonesty and rudeness. This company has put me through pure hell, I am fed up with them and will never in life buy another warranty from them.   
  
  Sincerely,
  
  ******** ****** *****

• Initial Complaint

  Date:03/20/2024

  Type:Order 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.

  On March 9, 2024 we took our Chevy Silverado to Ross Downing Chevrolet due to an engine noise and high temperature issue. This was the second time we brought the vehicle in. The previous attempt resulted in us picking up our vehicle since it sat there for 2 days without being looked at (February 2024). We were told it was the radiator and the warranty would be contacted about replacement. A few days later the part was received and we were told they "ran into an issue" fixing the vehicle and it was not ready. At this point, we asked for a loaner vehicle as it has been 5 days and we needed to get to work. We were told they did not have a loan and to contact the warrant company above because they cover car rental reimbursement. I checked the rates of the local car rental companies after being told our policy pays $35 per day. The cheapest rate was $77 per day with tax. We called the dealer again and stated this and asked to speak with a manager. No manager ever called us. We also emailed the warranty company (see attached email) and were told the supervisor approved $350 total for rental reimbursement. It did not clarify that this still meant $35/day. I specifically emailed asking about the daily rate, not an extension of the number of days (which is normally 5 days). So when I read the email and saw the amount had been increased I assumed the $77 would be paid as long as the total did not go over $350. Now I am told they can only reimburse $350 because that is the max daily rate. This was very misleading and I feel we should be paid the remaining fee for the rental car. We ended up picking up our track the next day and therefore only needed the rental for one day,

  

  Business Response

  Date: 04/29/2024

  LDS takes pride in its commitment to customer satisfaction and strives to provide exceptional service. We understand that Ms. ***** was dissatisfied with the vehicle rental coverage under her LDS vehicle mechanical breakdown insurance policy (the “Policy”). We appreciate the opportunity to address her matter.

  
  Ms. ***** contacted LDS by email, inquiring about whether there is vehicle rental assistance under her Policy. The LDS claims representative responded, “This policy pays 5 days at 35.00 for rental.” Specifically, Ms. *****’s Policy states, "If the covered vehicle becomes inoperable due to the failure of a covered part and must be kept overnight to make a repair under this policy, LDS will reimburse the base rental charges. for a substitute vehicle, not to exceed $35.00 per day, for a maximum of five days ($175.00 total) per occurrence while the repair is completed."

  
  Ms. ***** sent another email asking what she should do since the least expensive rental in her area is $70 per day. The LDS claims representative responded, “The max rental reimbursement on your policy is 5 days @ $35.00.” The claims representative further communicated to her that his supervisor offered to pay for additional days of vehicle rental assistance as a gesture of goodwill. Ms. ***** then submitted a receipt for reimbursement in the amount of approximately $77 for a one-day rental.

  
  In response, the LDS claims representative explained to Ms. *****, again, that “the policy max is $35/day.” He said his supervisor’s goodwill offer was to provide rental coverage for more days than the Policy permitted while still adhering to the Policy’s per day maximum. Ms. ***** expressed that she did not understand the supervisor’s offer to include the Policy’s per day limit and asked when she would receive $35. The claims representative responded that LDS had mailed a check to her.

  
  Considering the confusion on this occasion, LDS has mailed an additional reimbursement to Ms. ***** in the amount of $42.00, which is the refund she desires. We hope that our efforts to resolve her issue demonstrate our dedication to her satisfaction.

  
  Warm regards,
  The LDS Customer Service Team

  Customer Answer

  Date: 04/29/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21460608, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *** ******* *****

• Initial Complaint

  Date:11/26/2023

  Type:Product 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 a used 2019 Nissan Sentra and LDS service contract # ********** from Meridian Nissan, on 10/22/2023. After reading the fine print of the contract, I requested a cancellation. On 10/27/2023, I faxed the cancellation form back to LDS, for a full refund. The contract states a full refund will be issued if cancelled within 30 days of purchase, as per Cancellations- Part J, 1. The purchase amount was for $3,635.00. On 11/22/2023, the lien holder, Capital One posted a credit of $3000.00 to my loan. I have been shorted $635.00, by LDS. I cancelled 5 days after purchased, and LDS withheld $635.00 of my money. I have emailed request to the cancellations dept, ********** **** for balance of my monies to be refunded, to Capital One as per the agreement.

  

  Business Response

  Date: 11/27/2023

  RE: Complaint #20912909

  Good morning,

  Please review page 2 of the attached Owner Services, INC. Used Vehicle Service Contract policy# ********* issued to **** ******* on 10/23/2023 . I have circled the contract price of $3000.00 which is the cost of the policy. Owner Services, INC. issued check# 349615 on 11/16/2023 to Capital One in the amount of $3000.00. This is a full cancellation refund of the policy. Please contact me if you need any further information.

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

  Supervisor

  1-800-272-8000 (113)

  [email protected]

  Customer Answer

  Date: 11/28/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 20912909, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:12/12/2022

  Type:Billing 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 faxed cancelation papers to Louisana dealer services on october 26 2022 to cancel the bogus extended warranty and bogus gap insurance that **** ******** ford of Vicksburg ms. Pressured me into buying; i canceled said policies after reading the fine print in the contract. I have contacted LDS several times reguardind my refunds which still have not been posted to my leinholder or myself . LDS claims that the mail is slow crossing state lines and that is (bs) because i ordered a car rim out of chicago illinois and it was here in 3days. Louisana Dealer Services are in partnership with **** ford of vicksburg scamming car buyers . I am fileing this complain hopeing it will save other car buyers from this situation

  

  Business Response

  Date: 12/19/2022

  
  Consumer Complaint #18563282

  
  The contract holder purchased a 2022 Ford Ecosport on 10/21/22 from **** ******** of Vicksburg. When he purchased the vehicle he purchased gap waiver addendum (#1254722) and vehicle service contract (VSC) (# 80634722). The contract holder sent a cancellation form in to cancel these two contracts on 10/27/22. We received the batch of gap waiver addendums from the dealership that contained his contract on 11/18/22. That contract was enforced by our Underwriter on 11/22/22. We authorized cancellation of that contract on 11/23/22. As is our practice with all gap waiver addendums a check was sent to **** ******** of Vicksburg who is responsible for refunding the full amount to the lienholder, ****** ****. We received the batch that contained the VSC on 11/18/22. That contract was enforced by our Underwriter on 11/21/22. We authorized cancellation of that contract for a full refund on 11/22/2022.

  
  On 12/14/22 after business hours we received an email from the contract holder with concerns that the lienholder had not received the refund for the VSC. On 12/15/22 we checked to see if the check had cleared and it had not. We replied to the contract holder's email and requested that he check with ****** **** and get a better mailing address. He responded back with an address and we voided the original check and reissued a check to Truist that day using the new mailing address that the contract holder gave us.

  
  Please let us know if there is any other information you need from us.

  
  Sincerely,
  ***** ** *******
  Supervisor