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Business Profile

Auto Warranty Processing

PRco Service Contracts

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Auto Warranty Processing.

Complaints

Customer Complaints Summary

  • 8 total complaints in the last 3 years.
  • 5 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/11/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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.
    There is a major leak in the rear main seal. There are issues with the drive axle that is covered in my warranty. Also basic electrical I need to replace that's also in my warranty my car is at ********** Dodge waiting for this man to contact him about repairs this man has been very rude to me and the people at **************** and will not listen to the fact that I have open road powertrain plus with components 1 through 6. He's insisting that I have an open road premium one through 19. I have my contract in front of me I know what contract I have I'm really not trying to argue with this man I would just like my car fixed I paid for this warranty and have not been able to use it.

    Business Response

    Date: 05/05/2025

    I have been working with this customer and trying to get her into a different repair facility. She has been very complementary about our efforts.

    Customer Answer

    Date: 05/05/2025

    Better Business Bureau:

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

    Sincerely,

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

  • Initial Complaint

    Date:04/10/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 have paid for an extended warranty for my car and PRCO was the warranty my vehicle started making noise so I took it to a trusted shop that is the ****** dealership shop and they siad the transmission was bad so they got in touch with the warranty and fixed it afterwards with the new transmission in they were able to hear that the transfer case was making noise so they contacted the warranty PRCO said they would be the part but wont cover labor and the shop agrees that was weird so I try and get in touch with PRCO I called a total of 14 times in business hours across multiple days to try and ask if the would prefer me taking it to another shop they were absolutely no help and very rude over the phone I bought the extended warranty for when thing go wrong on my car to have that insurance and peace of mind but this has been far from that sadly thank you for your time-***** ********

    Business Response

    Date: 04/17/2025

    We are in contact with ***** and will update when final results are in.

  • Initial Complaint

    Date:11/07/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Well I bought a car dec 2 2023 I bought the warranty only because the dealership Rr amended it so I di well the car has been in the shop this is the 3rd the warranty states 24 000 miles or 24 months it only11 months its been in the shop 3 time firs time radiator Prco bought the radiator sent it to chevey dealership in ****** ca sec time transmission went out ***** in ********************* took care of it now the head gadket went out they said they reached the limet and it does not have the miles it still has ****** miles to go and it hasnt been 2years I have been out a car for slimiest 3 weeks now pro said they wont pay for it I have missed work cant get there to proform by my job please help ***** sonic 2013 turbo had ****** miles only has ****** now there still liable

    Business Response

    Date: 11/25/2024

    Hi ***,

    Your complaint makes it seem like we never communicated with you about your aggregate liability. From October 25th to November 6th, we sent you several emails explaining your aggregate liability. We sent you a copy of Section D. 1. "AGGREGATE COVERAGE LIMIT" and we highlighted that section. Unfortunately, you're ignoring that section of the contract.

    The purchase price of your vehicle was $7,500.00. Our liability for all claims paid under the contract was 80% of the purchase price, or $6,000. Your radiator repair and car rental costs totaled $1,818.37. The transmission repair cost $5,604.24 and we authorized $4,181.63. Those two numbers, when added together ($1,818.37 + $4,181.63) equals $6,000. As we've repeatedly stated, we cannot make any further payments under the contract.

    Section D of the contract you signed when purchasing your vehicle outlines coverage limits, which you acknowledged and agreed to. We provided you with a copy of Section D to explain the liability limit for the transmission repair. Please read it one more time.




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

  • Initial Complaint

    Date:10/21/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 2017 **** Focus from Own-A-Car Fresno in 2023 and have had it for a year and it now needs a major repair to the transmission. I was sold a warranty and purchased it through Own-A-Car and was told that it would cover major engine and transmission repairs. My vehicle needs a new clutch to be able to run properly and PRco USA is denying the claim citing that they only cover the "automatic side" of the transmission. No one at Own-A-Car Fresno told me that I needed to buy additional warranty to cover the manual clutch that my car has in it. PRco even refuses to cover a portion of the cost, so that I am responsible for a $2,800.00 repair. The **** for my vehicle is: *****************. PRco is breaking our contract and in this case a fair resolution would consist of either PRco covering a portion of the repair or them cancelling our contract and refunding me the amount I payed for the warranty.

    Business Response

    Date: 11/26/2024

    The ********************** oversees our activities, so we will answer. Please include in this complaint for the public to see that we will respond to the ********************* and will provide the response to the BBB, although it will be after the file closing date. 

    Customer Answer

    Date: 11/29/2024

     
    Complaint: 22449153

    I am rejecting this response because:

    I have attached proof of the repair to replace the clutch assembly and forks on my **** Focus and am still awaiting the total refund of my warranty coverage from PRCo. PRCo never even sent an inspector to the repair facility because they knew that this repair was going to be very costly and didn't want to pay for it. This is why I want a total refund of the price I paid for the warranty.

    Sincerely,

    ****** *****

    Business Response

    Date: 12/04/2024

    Mr. ******* statement is inconsistent with our 35-year history and not based on fact. As mentioned before, we will reply to the ******************************* and submit our response here. 

  • Initial Complaint

    Date:06/05/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 6-2-23 I purchased a vehicle and extended warranty from Own A Car in *********. There were issues with the vehicle immediately and Own A Car sent me to A1 Allignment for repairs. The repairs never fixed the issue but Own A Car declined further action. Less than a year later, my vehicle is having related issues. Own A Car has instructed me to return to A1 Allignment and that this is the ONLY mechanic they work directly with. As they did not provide adequate service before, I do not want to return. Both Own A Car and PRco warranty have instructed me to take the vehicle to any repair shop and have them file a claim for the covered service. However, I am unable to actually find a repair shop that will submit a claim with PRco and I can't submit a claim on my own. So, effectively, I was advised to buy protection for the vehicle and agreed to purchase a warranty that *** or *** not cover services through ONE mechanic. This is a scam! I have paid a lot of money for something I cannot even use.I would appreciate assistance with this matter and hope to resolve my vehicles issues ASAP. I need my money paid for this scam to be reimbursed so that I can pay for the repairs needed.

    Business Response

    Date: 06/16/2024

    We have received your complaint from the BBB. We haven't heard from you or any repair facility regarding your vehicle, and we're surprised you haven't reached out to us. We regularly work with many repair facilities as we have been conducting business in your city for over three decades. As you mentioned, you can take your vehicle to any licensed repair facility. Here are just a few repair facilities that we do business with in your city:

    1. Smog Plus **************
    2. Auto Repair **************
    3. A-1 Auto Repair **************
    4. SunnySide Auto Repair **************
    5. A & A Auto Repair **************

    If you have questions, you can call us 1-800-388-PRCO (7726); email ********************************** or Live Chat on our website PRcoUSA.com. You can contact me directly at ****************************************.

  • Initial Complaint

    Date:12/27/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    PRCO is refusing to cover items listed under my warranty. They are breaking our contract.

    Business Response

    Date: 01/08/2024

    We responded to *************** via email.

  • Initial Complaint

    Date:09/21/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Prco auto warranty company. Excepted my **** for their auto warranty . And I purchased 2014 dodge challgner that has broken down one thing after another. Prco has not help what so ever with helping fix. This car. I got from them that this car is covered because it's an automatic car and it manual (stick shift). But they refuse to pay for repairs. I've ask for my **** back and they reply we don't do this.

    Business Response

    Date: 09/23/2023

    Hi *********,

    We have received the complaint you submitted to the Better Business Bureau. You have not accounted for some facts.

    Fact #1: We did not decline your manual clutch repair because you never purchased the coverage. The dealer paid you $1,500 to resolve your manual clutch coverage dispute after PRco made you aware that you did not purchase the manual clutch coverage.

    Fact #2: Extreme Auto Repair got in touch with us on September 6th, reporting that the transmission requires replacement. We assigned an independent inspector to test drive your vehicle in order to confirm the diagnosis made by Extreme. The inspector arrived on September 8 and the vehicle would not start, so the inspector could not verify the transmission claim. Here is in pertinent part what the inspector noted in the report. The meaning of the reference to "RF" is Extreme.

    "Contacted RF at 9:30 to schedule inspection. RF stated vehicle was available and ready for inspection. Upon arrival, vehicle had a dead battery and would not start. No codes were present due to dead battery. Tech put booster on vehicle and attempted to start, still would not start. Lights / odometer on dash only partially displayed due to low voltage. After 15 mins on booster, vehicle still would not start."

    Fact # 3: You contacted us via our live chat and email on September 21, requesting a call back from a supervisor. We called you but we could not leave a message because you do not have voicemail. We informed you via live chat and email that we were waiting for Extreme to get in touch with us, as we had received no communication from them since September 8.

    PRco has not declined your transmission repair. We are waiting for Extreme to contact us so that we can reassign the inspector. Kindly contact them immediately and request that they inform us via email or phone that the transmission is ready for inspection.

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

  • Initial Complaint

    Date:10/03/2022

    Type:Service or Repair Issues
    Status:
    Answered
    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 bought an extended warrant policy from this company in 7/2021. Policy # PV10049395. I have since had my vehicle in for coverable repairs three times, and each time this company will not return calls or emails to my mechanic after they have submitted a claim. I have tried to call them and cannot get any one on the phone, it always goes to voice mail. I have not been reimbursed for any claims my mechanic has submitted.

    Business Response

    Date: 10/14/2022

    We are communication with the customer and should have resolution in a few days.Tell us why here...

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