Complaints for Merit Administration in Wentzville, MO

Complaints	Type of response
0	Making a full refund, as the consumer requested
1	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
1	Unanswered

3 complaints against Merit Administration

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2/15/2026

RESPONSE: Making a partial refund Amount in Dispute: $908.74 Amount Settled: $0.00

Customer Complaint

1/13/2026

Merit Administration denied my vehicle service contract claim by relying on inaccurate service documentation and unverified third-party data. The denial was based on a "continued operation" exclusion, despite the fact that the service record contains multiple errors, including incorrect mileage and mischaracterization of the defect. After the denial, CARFAX confirmed in writing that it does not verify the accuracy of service data and that the report relied upon by Merit Administration lists only a generic "fluid leak," not a fuel leak or fuel pump failure. Nevertheless, the company treated this data as confirmation of a known condition and upheld the denial as its "final position." Additionally, after I requested cancellation of the contract due to loss of trust and bad-faith handling, the company stated that cancellation and any prorated refund would be processed, yet I have received no written confirmation, refund calculation, or funds. I believe this conduct reflects unfair claims handling, reliance on unreliable documentation, and failure to properly administer cancellation and refund obligations. I am seeking fair resolution and accountability. Supporting documentation is available upon request for your review. Resolution Sought I am requesting a fair, good-faith reevaluation of my claim without reliance on inaccurate or unverified documentation, as well as proper confirmation of contract cancellation and prompt issuance of any prorated refund owed, with written explanation and accounting.

Company Response

2/2/2026

Mr. Giantsis, Thank you for your continued correspondence regarding this matter. We have reviewed the status of your cancellation and refund request and would like to provide an update. As previously explained, Merit Administration reviewed and re-reviewed your claim under the terms of the vehicle service contract. Following a secondary review, the denial decision was upheld in accordance with the contract provisions, including the continued operation exclusion. Merit Administration has maintained this as its final position regarding the claim determination. With respect to your cancellation and prorated refund request, US Automotive Protection Services did process the cancellation and issued a prorated refund. However, our records indicate the initial refund check was not received. To ensure proper resolution, US Automotive Protection Services placed a stop payment on the original refund check and issued a replacement refund check. A new refund check was reissued on January 20, 2026, in the amount of $829.14: Check Number: 12681 Amount: $829.14 Issue Date: 01/20/2026 This replacement check represents the prorated refund due under the cancellation provisions of the service contract. We appreciate the opportunity to address your concerns and confirm that the refund issue has been corrected. If you do not receive the replacement check within a reasonable mailing timeframe, please contact our customer service department so we may assist further.

Customer Rebuttal

2/2/2026

As a clarification to the business response, I confirm that the replacement check referenced by the company was received and successfully deposited approximately on January 29th. This update does not change my position regarding the improper claim denial or the fact that the refund was issued only after regulatory complaints were filed.

5/12/2024

RESPONSE: Complaint was not answered Amount in Dispute: $1,500.00 Amount Settled: $0.00

Customer Complaint

4/16/2024

We have an auto warranty with this company, and they are not honoring their end of the contract. Our first claim they told us we didn't have sufficient records so they denied a claim. Since then, we have only taken our vehicle to the Volkswagen dealer so that we have perfect records on this car and again they denied a second claim. Resolution Sought We would like them to pay this latest claim and hold up their end of the contract. Or give us our money back that we paid for this warranty.

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