AG Dana Nessel targets deceptive warranty scams by Opulent Marketing, seeks restitution for Michigan consumers.
What We Will Cover
Lawsuit Accuses Opulent Marketing of Misleading Warranty Sales
LANSING — Michigan Attorney General Dana Nessel filed a lawsuit against Opulent Marketing, Inc., and its owners, Adam Hakim and Isaac Saada, alleging violations of the Michigan Consumer Protection Act. The suit claims the company engaged in deceptive practices while selling vehicle service contracts under the brand name Infinite Auto Protection (IAP).
According to the lawsuit, the company falsely advertised their contracts as “100% Risk Free” with a “30 days money back guarantee” and a “Fast 24/7 Claims Process.” However, customers report a vastly different experience: denied claims, ignored refund requests, and unfulfilled promises.
“This company preyed on consumers by marketing false peace of mind,” said Nessel. “It’s unacceptable for a business to deceive customers and fail to honor its obligations.”
False Advertising and Misrepresentation
Since 2018, Opulent Marketing promoted its services online, falsely claiming to have an A-plus rating with the Better Business Bureau. In reality, the company held an F rating, with numerous consumer complaints about denied claims and unresponsive service.
The lawsuit also alleges that Opulent Marketing misrepresented its Michigan ties. While the company listed an address in Romulus, the office had no staff, equipment, or records. Additionally, Hakim and Saada reportedly purchased a “shelf” company—a pre-registered business entity—from Wyoming Corporate Services to create the illusion of a well-established operation.
Misuse of Consumer Funds
The Attorney General’s investigation revealed troubling financial practices. The lawsuit alleges that Opulent Marketing improperly transferred more than $280,000 to another company owned by Saada and Hakim, U.S. Auto Management, and paid $71,000 to Hakim’s father for unrendered services. These funds, Nessel claims, should have been used to honor claims or provide refunds to customers.
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BBB Investigation Reveals Deceptive Business Practices by Infinite Auto Protection
The Better Business Bureau (BBB) conducted an investigation into the business practices of Infinite Auto Protection, a d/b/a (doing business as) of Opulent Marketing, in May 2022. The investigation followed numerous consumer complaints about the company’s operations.
Infinite Auto Protection claimed to operate from 10000 Wayne Rd, Romulus, Michigan, where signage at the property identified Opulent Marketing as a tenant. However, the property manager for the location was unable to confirm if employees regularly arrived or worked there, raising questions about the legitimacy of the company’s operations. Certified mail sent to the Romulus address was returned by the U.S. Postal Service as “UNCLAIMED.”
Communication Failures and Consumer Complaints
Efforts to contact Infinite Auto Protection via its listed customer service number, 888-734-7392, revealed systemic communication issues. Callers attempting to reach the company during its stated business hours, Monday through Friday from 9 a.m. to 6 p.m. EST, encountered a recorded message stating they were calling outside of operating hours. This message persisted even when calls were made within the stated timeframe.
Further attempts to use other phone options—such as “Customer Service,” “File a Claim,” and “Auto Repair Shops”—resulted in prolonged hold times or no response. The BBB was unable to leave a message or reach a representative, despite repeated attempts.
Company Believed to Be Defunct
As of now, the BBB believes Infinite Auto Protection is no longer in operation. However, the BBB continues to accept complaints and inform businesses of communications from their customers. Michigan consumers with unresolved issues involving Infinite Auto Protection are encouraged to file complaints with both the BBB and the Michigan Attorney General’s Consumer Protection Team.
This investigation underscores the need for vigilance when engaging with companies offering vehicle service contracts, especially those with limited transparency or a history of unresolved consumer complaints.
Broader Action Against Deceptive Practices
The case builds on previous action by Nessel’s office. In 2024, the Attorney General secured an Assurance of Voluntary Compliance with Wyoming Corporate Services, barring them from selling Michigan shelf companies. Nessel’s team asserts that these entities are often used to mislead consumers.
The lawsuit seeks an injunction to halt further deceptive practices, restitution for affected customers, and civil penalties.
What You Can Do To Protect Vehicle Warranty Fraud
Nessel’s office offers guidance for consumers to avoid similar scams for vehicle warranties:
- Do Your Research
Check reviews and ratings for both the seller and administrator of the service contract. Verify endorsements like the BBB logo through official channels. - Understand the Contract
Read the entire agreement before purchasing. Key factors to review include coverage limits, exclusions, claims processes, and refund policies. - Avoid Giving Financial Information
Be cautious with telemarketing calls. If a caller claims your warranty is about to expire, do not provide payment information over the phone. - Verify Legitimacy
Independently confirm the company’s credentials and look for complaints filed with the Better Business Bureau or the Michigan Attorney General’s office.
Consumers can report deceptive practices to the Consumer Protection Team at 877-765-8388 or by filing an online complaint.
A Broader Warning on Deceptive Warranty Scams
The lawsuit highlights a growing issue in the automotive industry: deceptive sales of extended warranties and service contracts. Companies often exploit consumers’ concerns about costly repairs, offering misleading guarantees that mask limited or nonexistent coverage.
The Attorney General’s office advises vigilance, particularly in Michigan, where automobile ownership is a cornerstone of daily life. By addressing scams like this, Nessel aims to protect consumers and ensure a fair marketplace.
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