CarShield

After having a policy for several months on a classic vehicle, I called in with a problem and was told it was covered. I took it to a very well-known ASE mechanic group. They wound up not paying me after I paid the bill. The money they spend on advertising is ridiculous. But they do not back it up. Please run the other way. I am not a disgruntled person I’m an intelligent person who put trust in something that is a scam. Actors don’t advertise for a company that is not trustworthy. Don’t compromise your reputation.

They work harder on your claim then paying it. Twice I turned in claims and both times I ended up pay the bulk of the bill. The first was $3200 and I paid $2200 of it, and the most recent was $2186 and car shield paid $285. For what I pay in monthly payments, I could have paid and saved money. DON'T WASTE YOUR MONEY!

In September I purchased an extended warranty with CarShield, later in the year my bmw would not crank. The closest repair shop for bmw was 56 Miles from my home. I had to pay the towing upfront and CarShield would reimburse me. Every week I was calling the repair shop and CarShield would not communicate with them about getting the claim started. I kept getting the run around about the claim examinor and the inspector. After to speak to the claims guy that checked out my car 3 months later I was good to go then after the next claims examiner looked at car he stated that it was my fault that I didn’t have enough documentation from oil changes and denied my claim. My car was just purchased in July! It wasn’t possible for me to have months and months of service receipts because I hadn’t had the car long. I kept asking for a rental and was told I could not get one until this person started my claim. I have 3 small children, 2 of them are in school, which this left me rideless. Then I received a letter in the mail and a check for $199.09 stating that per my request the contract was canceled and I was given a refund. I never requested any of this. I only wanted what I was paying for for nearly 5 months of $99 payments. I can’t understand why a company does this people who can’t afford to go and pay thousands of dollars in repairs and not to mention this left me in a bad situation with my children and no transportation during a pandemic!

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ If Ms [redacted] can provide us with an ID number that would appear on our mailed advertisements, we can then determine if the mailer was sent on our behalf Until that can be determined, we respectfully request that this complaint be removed from our file Thank you Final Business Response / [redacted] (4000, 13, 2015/10/23) */ The mailer Ms [redacted] received was mailed on our behalfWe would be happy to remove MsChurwell from our mailing and call list

Complaint: [redacted] I am rejecting this response because: This company sent me a letter saying immediate response requested so I called to find out then told them no and he still called me back Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/18) */ Mr [redacted] called in on July and said that his dealership would not accept the extended coverage he had purchasedOur representative offered to call Mr [redacted] 's dealer to speak with them about how payment is handled by credit card over the phone and answer any questions they might haveMr [redacted] terminated the call at that time Mr [redacted] coverage was cancelled as of July 8, and his Visa was credited in full for the down payment Mr [redacted] had made as of that day

Thank you for bringing this to our attention We appreciate the opportunity to respond to and resolve this issue.We contacted Interstate National Dealer Services, the administrator of your service contract, to obtain information about any claims you have submittedINDS stated that claims have been submittedThe first claim was submitted in August of for a wheel bearing that was worn and making a lot of noiseWheel bearings are not listed as a covered component, so the claim was denied by INDS.The second claim was submitted in January of for worn serpentine belt, a leaking valve cover gasket and a leaking oil pan gasket The serpentine belt was covered and paid for minus the deductible of $ The valve cover gasket and oil pan gasket are not listed as covered under this contract and replacement cost was denied by INDS because of that.We have received your request to cancel your coverage Yourservice contract will be cancelled as you requested and you will be issued a prorated refund, as stated in your contract's terms and conditions We have waived the cancellation fee as a gesture of goodwill Your refund comes to You should receive your refund within business day.Respectfully,Customer Relations

Thank you for bringing this matter to our attention We appreciate the opportunity to respond to and resolve this issue.We have contacted United Car Care, the administrator/obligor of the service contract you purchased through CarShield United Car Care, who has full authority over claims procedures, approvals and denials, stated that this claim was denied due to continued operation verified by an independent inspector they used to assess the damage to the vehicleIf you would like to dispute United Car Care's decision on this claim, you would need to contact the Denver Revdex.com for arbitration in this matter against United Car Care Section Jof your contract outlines what to do in case there is a dispute concerning the interpretation of your contract between you and the administrator, United Car Care As listed on the declaration page of your contract, United Car Care's contact information is as follows: [redacted] Phone [redacted] As CarShield is the marketing company you purchased your coverage through, we have no authority over claims However, United Car Care is an A+ rated, Revdex.com Accredited company through the Denver Revdex.com and they resolve any issues that are brought to their attention through arbitrationPlease let us know if you need any additional information regarding the resolution of this matter

Thank you for bringing this to our attention We value the feedback we receive from consumers and appreciate the opportunity to respond to and resolve this matter.It is our definitely our intent to have our sales representatives be nothing but polite and informative and treat each consumer with the utmost respect If your experience with our representative was anything less than that, we sincerely apologize We will review the call you are referencing and take any and all disciplinary action necessary.We would be happy to have one of our sales managers give you a call if you would like a coverage quote for your Avalon We will be more than willing to offer your coverage at a discounted rate for your trouble Please let us know if you are interested and we would be happy to have them give you a call.RespectfullyConsumer Relations

Initial Business Response / [redacted] (1000, 5, 2015/07/18) */ Mr [redacted] called in to cancel his coverage on June 6, around 5pm He was told by our customer service representative that she would take care of getting his down payment backed outHis Mastercard was refunded the down payment he had made on June 7, His request was honored on the same day he called in at 5pm wishing to cancel and his refund was processed the next morning

Thank you for bringing this matter to our attention We appreciate the opportunity to respond.We do show you contacted our office in December of and let the representative know that you did not own a vehicle The representative noted the file accordingly, but mistakenly did not click the box that would have removed your address from our mailing listWe do apologize for the inconvenience this has caused.Your mailing address has been removed from our system You will receive no additional mail pieces from our company.RespectfullyConsumer Relations

Thank you for bringing this to our attentionWe appreciate the opportunity to respond to and resolve this matter.Your contract has been cancelled, as you requested You will be refunded in full, credited back to your [redacted] within the next business days.Respectfully,Customer Relations

Thank you for bringing this to our attention We appreciate the opportunity to respond to and resolve this matter.We reviewed the sales call, as Mr [redacted] claims that he was told "the warranty will cover everything including electrical equipment" During the sales call Mr [redacted] asks, "Doesn't cover the electrical though, right?" Our sales representative replied, "not the electrical system, but it does cover......" and he went on to list the covered components, reading right from the contract.The suspension is not covered under the Powertrain Gold Coverage Mr [redacted] purchased for his Hummer with starting mileage at the time of the contract purchase of 143, The sales rep never stated the suspension was covered, as he read the covered components directly from the contract.The waiting period referenced in the sales call of miles and days is also listed in the contact Mr [redacted] received When Mr [redacted] 's repair facility submitted the claim referenced in this complaint, Mr [redacted] was still within the mile and day period and the repair claim was not approved.We have received a letter from Mr [redacted] requesting cancellation of both of the service contracts he purchased from us on July 31, Both contracts have been cancelled as he requested On August 4, two refund checks were mailed to Mr [redacted] at the address listed in this complaint One in the amount of $for the contract on the Mercedes and one in the amount of $for the contract on the HummerThe service contract was correctly adjudicated by American Auto Shield (the administrator/obligor of the contract) and Mr [redacted] has been refunded, per the contracts terms and conditions, correctly

Initial Business Response / [redacted] (1000, 5, 2015/06/17) */ We have already removed Ms [redacted] from our mailing list, as she has previously requestedShe should received no further mailed advertisements from our company There is no way we can pre-determine if a consumer has already purchased an extended service contract for their vehicleThis is just a mailed advertisement offering that serviceIf a consumer knows they already have coverage, the advertisement can simply be discarded Again, Ms [redacted] has been removed from our mailing list

We appreciate the opportunity to respond to Ms***' complaint.As Ms [redacted] no longer wishes to keep the vehicle she has purchased extended coverage for...the Chrysler Town and Country, we will cancel her service contract as she requested She will be receiving a refund of $ mailed to the address she has listed in this complaint.She should be receiving her refund in 7-days.We are confident this resolution will be satisfactory to Ms***.Respectfully

Initial Business Response / [redacted] (1000, 5, 2015/04/29) */ If Ms [redacted] could provide us with the ID number that appears in the upper left hand corner of the notice she received, we would be able to determine if the mail piece was sent on our behalf or by one of the many marketers out there that send similar mail piecesWe would then be able to remove her from our mailing list The mailers we have sent out, if read (as Ms [redacted] pointed out) state that, "Auto Service Agency is an independent nationwide company marketing vehicle service contracts on behalf of leading third party administratorsAuto Service Agency is NOT affiliated with any auto dealer or manufacturer" Again, If Ms [redacted] can provide that ID number, we would be happy to remove her from our mailing list We request this complaint be removed from our file until it can be determined if the mailer she received was sent on our behalf Thank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) The code on the mailing list is 064AFXXXXX Final Business Response / [redacted] (4000, 9, 2015/05/07) */ Thank you for providing the ID number found on the mailed advertisementThis is a mail piece that was sent on our behalf We have removed Ms [redacted] from our mailing listShe should receive nothing further from our company unless something was just recently mailed Respectfully Final Consumer Response / [redacted] (2000, 11, 2015/05/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept being removed but a better response would be to stop your deceptive marketing practices

Mr*** has been removed from our mailing list He should receive no additional mailers from our company.RespectfullyConsumer Relations

We have removed Ms [redacted] from our mailing list She should receive no further mailed advertisements from our company We apologize for the inconvenience

Complaint: [redacted] I am rejecting this response because:You state you have recording, release this so called recording.After speaking to someone about the coverageI declinedI also have a conformation number that this coverage was declinedI am due a full refundIf all of my funds are not returned to me within the next few days, I will seek legal action against your business Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:When my parents realized that Car Shield was taking money from their account back in September, they called Car Shield When my mother spoke to them, the person she spoke with told her that they did not see a call from my mother on December 29th, they said that the only call they saw was when they called my parents Now in their response to the Revdex.com they are saying that they did not call my parents on December 29th They did call my parents that day and my mother did call them back and was told that they would cancel the contract and that if there was anything else they could do for my parents then my parents should give them a call Sounds like someone needs to get their stories straight.Why on earth would my parents buy a car warranty when they had one with their brand new Kia? They thought they were talking to someone from Kia and after they realized that they were not, my mother called them back and told them to cancel it They owe my parents the full amount that they wrongly took from their account and no less When people like my parents are on a fixed income and are taken advantage of, it really makes me mad They cannot afford to be scammed like this We want the full amount returned to my parents Sincerely, [redacted]