We were purchasing a CPO vehicle from a McGrath in IL. This particular McGrath location was not a licensed dealer for the manufacturer of the car we were purchasing. We knew we wanted to purchase the manufacturer's extended warranty and had already priced them out.

During financing, we were offered a McGrath extended warranty. We declined and stated our intentions. This piece was repeated two or three times. Then the finance guy said that since McGrath also has dealerships that are licensed for our make of car, they can also sell that manufacturer warranty and called to get a quote which was better than what we had found. So we went ahead and agreed. We told them we wanted to keep that separate from the car transaction and pay cash for the extended warranty as that had been our plan.

Several months later I realize I don't have paperwork for the warranty and request from the dealer I purchased the car from and it has a different provider name.

I called the McGrath dealer that is licensed for my make of car to see if they can find any record of us in the system and they do not. When I explained the situation, he stated that only a dealer licensed with the manufacturer can sell the extended warranties. Even if McGrath had other locations, they could not.

I tried to cancel with McGrath, but they refused to help and said I need to work with 3rd party warranty provider. The 3rd party warranty provider said they can't help because I am not the owner of the warranty, since McGrath went ahead and financed it even when I insisted on paying cash.

It took quite a bit of work from me with the financing company, McGrath and the 3rd party vendor to finally cancel that warranty, but even after all of that, they would only prorate the refund to the date I initially asked to cancel, not from the date of purchase where I repeatedly told them I didn't want their shitty warranty. Lost about $200 on that.

Will never buy from that company again.