Skip to main content

Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Share
Business Profile

Payment Processing Services

PayLink Direct

Complaints

This profile includes complaints for PayLink Direct's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

PayLink Direct has 6 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.

    Country
    Please enter a valid location.

    Customer Complaints Summary

    • 60 total complaints in the last 3 years.
    • 11 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/02/2022

      Type:Customer Service 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.
      Paylink lied about coverage, saying everything was covered, but would not cover anything I needed. Requested cancellation and was put on hold for over an hour until phone battery ran out. Sent email follow up for cancellation and never heard back and am continuing to be charged. This is a SCAM

      Business Response

      Date: 11/03/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by ***************************, BBB Case #********. Please be advised, PayLink Direct (PayLink)processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on June 21, 2022, ****************** purchased a vehicle service contract from Sky **** Protection (Sky ****), a third-party marketer selling vehicle service contracts on behalf of **************. At the time of sale, a down payment of $189.47 was collected directly by Sky ****.

      In an attempt to assist ******************, PayLink forwarded the contents of your inquiry to Sky ****, the sales agent and company that handles customer cancellations and refunds. It is our understanding from Sky **** that they had not spoken to ****************** since the purchase date prior to this complaint and no claims have been filed on ****************** policy. Per Sky ****, they spoke to ****************** on November 3, 2022 in response to this complaint. Sky **** has indicated that ****************** has a policy for his vehicle with another company and intended the complaint to be directed at that company. Per Sky ****, ****************** has elected to keep his coverage with Sky ****.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Sky **** should there be any further questions or concerns. ********* contact information is as follows:

      Sky **** Protection
      5750 **************.
      Ste. 430
      ******, ** 60077
      ************* 

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct
    • Initial Complaint

      Date:10/21/2022

      Type:Sales and Advertising 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.
      09/2021 paylink contacted me to sell a ********************** for a Kia *** car I had just bought that was already under factory **********************. I didnt know of paylink or how they got my number and I thought they were my Kia ********************** people when I agreed to a 1x payment of $168 thinking I was upgrading my **********************.with **** I had no clue they were an unassociated business selling a new ********************** I didnt want,ask for or need. I never signed anything, or agreed to buy a ********************** from them. Regardless they charged me $168 monthly I believe they took a total of $1600 even though I noticed the charges and asked them to stop and return my money. They did neither! I called regularly to be blown off and blamed for this Outrageous incident. They perused me, misled me, stole from me and have yet to refund any of the money they had no permission to take. They did cancel the ********************** but I need my money back. They sent me no documents, this was all over the phone

      Business Response

      Date: 10/27/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by *************************, BBB Case #********. Please be advised, PayLink Direct (PayLink) processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on September 11, 2021, ************** purchased a vehicle service contract from Sky **** Protection (Sky ****), a third-party marketer selling vehicle service contracts on behalf of **************. At the time of sale, a down payment of $168.68 was collected directly by Sky ****.

      Enclosed are copies of Ms. ****** Sky **** Contract as well as the PayLink Payment Plan Agreement for the Sky **** Contract.

      Furthermore, our records indicate that the policy was cancelled in our billing system on September 7, 2022. Accordingly, no further payments have been or will be collected from ************** by PayLink.

      Our records also indicate that ************** called our office on October 3, 2022 regarding the completion of the cancellation process for her policy and to inquire about a refund. The PayLink agent explained that cancellations and refunds are processed by Sky **** and provided ************** with their contact information for any further questions. This was our last contact with ************** prior to this complaint.

      In an attempt to assist ****************, PayLink forwarded the contents of your inquiry to Sky ****, the sales agent and company that handles customer cancellations and refunds. It is our understanding from Sky **** that ************* called their office on September 11, 2021 to purchase a vehicle service contract and provided her vehicle and billing information to activate the policy. Sky **** has also indicated that they cancelled ****************** policy per her request and issued a refund via check #****** to ************** on October 25, 2022 in the amount of $1,052.82.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Sky **** should there be any further questions or concerns. ********* contact information is as follows:

      Sky **** Protection
      5750 **************.
      Ste. 430
      ******, ** 60077
      ************* 

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Enclosures.
    • Initial Complaint

      Date:10/11/2022

      Type:Sales and Advertising 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 received an official-looking letter in the mail stating that my home warranty was about to expire. I called asking about the benefits of renewing the warranty. I was told that my appliances were covered and that I would have access to services in my area for a flat rate. After activating my account and paying $125 on May 27th, I could never get anyone to answer the toll free phone number and the provided website wasn't real. I never received any additional information from the home warranty company after the confirmation of my "plan". My account has proceeded to have recurring payments of $185 on the 27th of each month. I attempted to cancel the account at the beginning of August and the beginning of September, but it hasn't been canceled. These payments have also increased my monthly interest charges on the card associated with the account. I would like a cancelation of this account and refund of all payments made from May 27 to September 27th.

      Business Response

      Date: 10/21/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by ***********************, BBB Case #********. Please be advised, PayLink Direct (PayLink)processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on May 27, 2022, **************** purchased a home service contract from Like New Home Warranty (Like New Home), a third-party marketer selling home service contracts on behalf of ********************** At the time of sale, a down payment of $180.00 was collected directly by Like New Home.

      Enclosed are copies of Mr. ******* Like New Home Contract as well as the PayLink Payment Plan Agreement for the Like New Home Contract.

      Furthermore, our records indicate that the policy was cancelled in our billing system on October 18, 2022. Accordingly, no further payments have been or will be collected from **************** by PayLink.

      In an attempt to assist ****************, PayLink forwarded the contents of your inquiry to Like New Home, the sales agent and company that handles customer cancellations and refunds. It is our understanding from Like New Home that they do not have a record of **************** contacting them until October 11, 2022, after their offices had closed. Like New Home has indicated that they have attempted to contact **************** in response to this complaint have been unable to reach him.  

      Furthermore, it is our understanding from Like New Home that they are in the process of issuing a refund via check to **************** in the amount of $354.16.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Like New Home should there be any further questions or concerns. Like New Homes contact information is as follows:

      Like New Home Warranty
      2973 ***********.
      Ste. 240
      **********, ** 92626
      *************

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Enclosures.

      Customer Answer

      Date: 10/22/2022

       
      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:10/11/2022

      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.
      This company is preying on elderly and unsuspecting individuals. Upon detailed review of my widowed; mother thats in her 70s financial records; In card ending in 5201,I have discovered that Paylink has been taking automatic debits from her bank account in the amount of $159.00 since 2017! This amounts to over $13,000 of unauthorized debits!! Plus a additional deposit!! Apparently it all began through a company called Paylink Direct; My mother is on a fixed income and did not willingly or wittingly sign up for such auto warranty coverage, and has received no documentation of agreement to these debits. I believe this company is a scam and a sham and has deliberately deceived people into believing this so-called coverage was necessary and authorized by their car dealership. I have tried to call the ***** numbers I have been able to find online, to no avail. I demand that Paylink be held accountable for this debit amount and issue a refund immediately, or legal action will ensue. Their practices of taking advantage of elderly individuals is deplorable!

      Business Response

      Date: 10/14/2022

      Dear *** or Madam:

      This letter is in response to the complaint submitted by *********************, BBB Case #********. Please be advised, PayLink Direct (PayLink)processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on January 7, 2022, **************** purchased a vehicle service contract from ********************************* LLC (*****),a third-party marketer selling vehicle service contracts on behalf of ********************* At the time of sale, a down payment of $100.00 was collected directly by *****.  

      Enclosed are copies of **************** ***** Contract as well as the PayLink Payment Plan Agreement for the ***** Contract.

      Please note, our records indicate that this is the only policy for **************** in our system.

      Furthermore, our records indicate that the policy was cancelled in our billing system on October 11, 2022. Accordingly, no further payments have been or will be collected from **************** by PayLink.

      In an attempt to assist ****************, PayLink forwarded the contents of your inquiry to *****, the sales agent and company that handles customer cancellations and refunds. It is our understanding from ***** that they issued a refund via check #**** to **************** on October 13, 2022 for a total of $1004.85.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact ***** should there be any further questions or concerns. ***** contact information is as follows:

      ********************************* LLC
      100 ************
      Ste. 121
      **********, ** 63385
      *************

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Enclosures.
    • Initial Complaint

      Date:10/08/2022

      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.
      Date of Transaction: 9/17/22 Amount paid: $100 ************ sent a pink notice in the mail stated that my car warranty was going to expire, and I had to purchase a services contract on September 15. I called this number on September 17th, and the customer sales rep (spoke to a female) stated that my warranty coverage expired, so I was pressured into putting down a $100 deductible (even though I already had warranty coverage with the dealership where I got my car from). They set me up for monthly payments of $185, and that I could not use this coverage until November. I no longer wish to use this service and would like to request a refund of my deductible, no further charges from this company, and a complete cancellation of my account. I tried to contact a customer service rep a few days ago in regards to this issue, but they were very rude and argumentative. Their lack of professionalism is very disappointing. I have also contacted my bank regarding this issue as well. My Contract#: MRT130975

      Business Response

      Date: 10/13/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by ***********************, BBB Case #********. Please be advised, PayLink Direct (PayLink)processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on September 17, 2022, ************** purchased a vehicle service contract from ********************************* LLC (USAPS), a third-party marketer selling vehicle service contracts on behalf of ********************* At the time of sale, a down payment of $100.00 was collected directly by USAPS.

      Furthermore, our records indicate that the service contract was cancelled on October 12, 2022 before any monthly payments were collected by PayLink.

      Please note that that the only communication that PayLink had with ************** prior to this complaint was in the form of a welcome letter and a monthly bill, both issued to his address on file.

      In an attempt to assist **************, PayLink forwarded the contents of your inquiry to USAPS, the sales agent and company that handles customer cancellations and refunds. It is our understanding from USAPS that the only time they spoke to ************** was at the time of purchase. It is also our understanding from USAPS that they issued a full refund of the down payment of $100.00 to **************** credit card on file on October 5, 2022.  

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact USAPS should there be any further questions or concerns. USAPS contact information is as follows:

      ********************************* LLC
      100 ************
      Ste. 121
      **********, ** 63385
      *************

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct
    • Initial Complaint

      Date:10/07/2022

      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 service contract with ************* for a used car from my dealer Auto House. Other than my down payment s Paylink debits me monthly. I canceled my contract on 8/25/2022 ************* refunded my policy to Paylink and the check was paid to Paylink. **** standard said it takes 30 days for refund and to contact Playlink for my $736.38. After getting the runaround Paylink is telling me to contact my dealer who sold the policy to collect my refund. The dealer said they dont refund and my money was paid to Paylink for ************* who tells me to call Paylink who they sent my refund to. I should have been refunded 30 days from 8/25/2022 and Ive yet to receive my refund.

      Business Response

      Date: 10/24/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by *****************************, BBB Case #********. Please be advised, PayLink Direct (PayLink) processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on March 19, 2022, ****************** purchased a vehicle service contract from ************************ (Auto House), a third-party dealership selling vehicle service contracts on behalf of ******************************** **************** At the time of sale, a down payment of $400.00 was collected directly by Auto House.

      Furthermore, our records indicate that the policy was fully cancelled in our billing system on September 29, 2022. Accordingly, no further payments have been or will be collected from ****************** by PayLink.

      Please note that PayLink provides different tools and services to assist dealerships in calculating any refunds that *** be due to customers. However, PayLink is not a party to the vehicle service contracts and any refunds due to customers are to be paid by the dealership.

      In an attempt to assist ******************, PayLink forwarded the contents of your inquiry to ************** the administrator of her policy. It is our understanding from ************* that on August 25, 2022, ****************** was referred to Auto House, the dealership and company that handles customer cancellations and refunds, to obtain a cancellation request form. Per ******************* House was made aware of the intent to cancel as they supplied ****************** with the cancellation form. ************* has also indicated that they will speak to Auto House to ensure that any refunds due to ****************** will be issued by Auto House.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Auto House or ************* should there be any further questions or concerns. ********** and *************s contact information is as follows:

      ************************
      1245 **************.
      ******************, ** 60515
      ************* 

      ********************************
      PO Box 1322
      ******, ** 84020
      ************* 

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Customer Answer

      Date: 11/01/2022

       
      Complaint: 18184619

      I am rejecting this response because:
      Gold Standard has told me they refunded my account to Paylink and they are responsible I am contacting Am Arbitration per contact about arbitration 
      Sincerely,

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

      Business Response

      Date: 11/16/2022

      Dear Sir or Madam:

      This letter is in response to the rebuttal submitted by *****************************, BBB Case #********. Please be advised, PayLink Direct (PayLink)processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Enclosed is a copy of Ms. ********************* House Contract.Under the terms of the Auto House Contract, any refunds due upon cancellation are to be issued by ************************ (Auto House), the dealership and sales agent for Ms. ******** policy, or ******************************** **************** the administrator of her policy. (See pg. 6-7).

      In an attempt to assist ******************, PayLink forwarded the contents of your inquiry to ************** the administrator of her policy. It is our understanding from ************* that they have spoken to Auto House and urged them to issue the refund due to ****************** as soon as possible.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Auto House or ************* should there be any further questions or concerns. ********** and *************s contact information is as follows:

      ************************
      1245 **************.
      ******************, ** 60515
      *************

      ********************************
      PO Box 1322
      ******, ** 84020
      *************

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Enclosure.

      Customer Answer

      Date: 11/18/2022

       
      Complaint: 18184619

      I am rejecting this response because:
      I spoke to both Auto House and ************************ who have told me they disagree and have contacted you, Paylink. ************************ fully refunded you Paylink (the company who processed payments) in September 2022 my policy via check in the amount of $2719.60 If you want ************* or Auto House to refund me, please refund my policy to them. My policy was canceled in August and refund to you in September and it is now November and I have not been refunded.

      Sincerely,

      *****************************
    • Initial Complaint

      Date:10/07/2022

      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 viewed several other complaints targeting older purposed clients with this Paylink Vehicle business. My 75 year old mother was being charged ***** a month for 5 months before she noticed the abnormal charge and called it in to the bank. The fact that there are several other elderly clients who have been targeted is a shame. In a world where taking advantage of the elderly is abuse, these folks dont care at all. And why hasnt BBB or any other organization helped this situation from reoccurring?

      Business Response

      Date: 10/14/2022

      We received the attached review from ***************************** writing on behalf of her mother, BBB Case #********. We were unable to locate her mothers account with the information provided in the complaint. I have reached out to ******************** several times using the contact information provided in the complaint but have not received a response. Therefore, I dont have proof this is one of our customers.
       
       
      Thanks,
       
      *****************************
    • Initial Complaint

      Date:09/20/2022

      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.
      Complaint taken over the phone by H32**3233343630353631H staff SE Reached out to the business August 2022 and I thought I was signing up for a home H31**303835363538**38H for $99 but they took out $185.00. When I called them they told me that I actually signed up for a auto H31**303835363538**38H and they told me I could get my money back but I haven&#**;t received it yet

      Business Response

      Date: 10/03/2022

      Dear Sir or Madam:  

      This letter is in response to the complaint submitted by *************************, BBB Case #********. Please be advised, PayLink Direct (PayLink) processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes. PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts. 


      Our records indicate that on July 1, 2022 ****************** purchased a home service contract from Like New Home Warranty (Like New), a third-party marketer selling home service contracts on behalf of ********************** At the time of sale, a down payment of $100.00 was collected directly by Like New.  


      Enclosed are copies of ****************** Like New Contract as well as the PayLink Payment Plan Agreement for the Like New Contract. 


      In an attempt to assist ******************, PayLink forwarded the contents of your inquiry to Like New, the sales agent and company that handles customer cancellations and refunds. It is our understanding from Like New that ****************** called their office on June 27, 2022 to purchase coverage for her home. Per Like New, since ****************** was unable to pay the down payment that day, the sales date and date the down payment was collected was post-dated to July 1, 2022. Like New has also indicated that a copy of ****************** policy was issued to her address on file on July 5, 2022. Per Like New, they have not spoken to ****************** since she purchased her policy and no one from their office stated that the coverage was for her vehicle. Like New does not sell or market vehicle service contracts.  


      If ****************** would like to cancel her policy, she can contact Like New at ************* during normal business hours.


      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Like New should there be any further questions or concerns. Like News contact information is as follows: 


      Like New Home Warranty 
      2973 ***********. 
      Ste. 240 
      **********, ** 92626 
      *************

      Sincerely, 


      *****************************;
      Compliance & Contract Specialist

      PayLink Direct 


      Enclosures. 

    • Initial Complaint

      Date:09/18/2022

      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.
      Around the 1st of September, I received a very official looking Final Notice of my auto warranty expiring. I finally called the number to get more information as I had purchased the used vehicle 6 months ago. The representative made it perfectly clear this was regarding my car (make & model) I purchased 6 months ago. I questioned the representative about the "expiring soon" warranty having been handled by the car dealership. The representative said the dealership doesn't activate the warranty. He said I was supposed to have done that myself therefore the warranty was expiring in a few days. That scared me as I need the extended warranty on my used car. The cost to activate was $183.14. Not only did I fall for the activation fee, the representative said NOTHING about the same fee being charged to my credit card monthly. The scam continues as I have not received any information from the actual warranty company - only a bill from Pay Link Direct which is NOT the warranty company but a billing service. SKY AUTO PROTECTION flat out lied!I filed a fraud report with my credit card company. First ************* of ***** rejected my fraud claim because I participated in the transaction.How can I fight this fraud? I have yet to receive anything documentation from SKY AUTO PROTECTION.

      Business Response

      Date: 09/27/2022

      Dear Sir or Madam:

      This letter is in response to the complaint submitted by *********************, BBB Case #********. Please be advised, PayLink Direct (PayLink) processes payments for customers who purchase vehicle or home service contracts for their automobiles or homes.  PayLink does not sell or administer vehicle or home service contracts and is not a party to vehicle or home service contracts.

      Our records indicate that on August 12, 2022, **************** purchased a vehicle service contract from Sky **** Protection (Sky ****), a third-party marketer selling vehicle service contracts on behalf of **************. At the time of sale, a down payment of $183.14 was collected directly by Sky ****.

      Enclosed are copies of Ms. ******* Sky **** Contract as well as the PayLink Payment Plan Agreement for the Sky **** Contract.

      Furthermore, our records indicate that the service contract was cancelled on September 19, 2022 before any monthly payments were collected by PayLink.

      In an attempt to assist ****************, PayLink forwarded the contents of your inquiry to Sky ****, the sales agent and company that handles customer cancellations and refunds. It is our understanding from Sky **** that they attempted to contact **************** in response to this complaint but have been unable to reach her. It is also our understanding from Sky **** that **************** contacted their office to purchase a vehicle service contract, provided her VIN and vehicle mileage to them at the time of sale, and that they advised her of the monthly payments. Furthermore, per Sky ****, **************** called their office again on September 19, 2022 to cancel her policy. Sky **** has indicated that they cancelled Ms. ******* policy per her request on September 19, 2022 and issued a full refund of the down payment to Ms. ******* credit card ending in **** in the amount of $183.14.

      For these reasons, we consider the matter resolved as it pertains to PayLink. Please contact Sky **** should there be any further questions or concerns. ********* contact information is as follows:

      Sky **** Protection
      5750 **************.
      Ste. 430
      ******, ** 60077
      ************* 

      Sincerely,

      *****************************
      Compliance & Contract Specialist
      PayLink Direct

      Enclosures.

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.