Michigan Attorney General Dana Nessel has initiated legal action against Opulent Marketing, Inc., and its owners, Adam Hakim and Isaac Saada. The lawsuit accuses the company of engaging in deceptive business practices, allegedly violating the Michigan Consumer Protection Act.
Opulent Marketing, operating under the name Infinite Auto Protection (IAP), began marketing vehicle service contracts in 2018. These contracts were sold online with promises such as "100% Risk Free" and a "30 days money back guarantee." The website also claimed to offer a "Fast 24/7 Claims Process" and a "simple claims process."
The lawsuit alleges that Opulent Marketing did not fulfill these promises, often denying valid claims and eventually stopping claim payments altogether. Customers who sought to cancel their contracts reportedly faced difficulties obtaining refunds. Additionally, the company advertised an A-plus rating with the Better Business Bureau despite holding an F rating.
Nessel stated, “Living in the automobile capital of the world, Michigan consumers care about their cars and prioritize safety and reliability, often using auto warranties for added peace of mind.” She emphasized that misleading customers with deceptive practices is unacceptable.
According to the lawsuit, Opulent Marketing misled customers by presenting itself as a Michigan-based business. The company rented office space in Romulus, Michigan but had no employees or equipment there. Saada and Hakim purchased Opulent Marketing Inc., previously known as Opulent Marketing LLC, from Wyoming Corporate Services as a shelf company to create an illusion of longstanding operation.
The Attorney General's investigation into Wyoming Corporate Services concluded with an Assurance of Voluntary Compliance and Discontinuance filed in June 2024. This agreement required Wyoming Corporate Services to stop creating and selling Michigan shelf companies.
The lawsuit seeks an injunction against further deceptive practices by Opulent Marketing, restitution for affected consumers, and civil penalties. It alleges improper transfers exceeding $280,000 to U.S. Auto Management—a Delaware company owned by Saada and Hakim—and over $71,000 to Hakim’s father for unrendered services instead of paying claims or issuing refunds.
Nessel's office provided guidance on avoiding scams related to auto extended warranties:
1. Shop before buying: Compare benefits and read contracts thoroughly.
2. Know who decides coverage: Verify if the seller is different from the decision-maker.
3. Check out sellers: Review companies before purchasing.
4. Protect personal information: Avoid sharing financial details over unsolicited calls.
Consumers can contact the Michigan Attorney General’s Consumer Protection Team at 877-765-8388 for inquiries or complaints regarding service contracts.
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