What is the CARSHIELD* AUTO PROT charge?

Why it shows up like this

A line item showing CARSHIELD* AUTO PROT on your bank or credit card statement indicates a recurring monthly payment for a CarShield Vehicle Service Contract (Extended Auto Warranty). CarShield markets these vehicle protection plans directly to consumers to cover mechanical breakdown expenses, while American Auto Shield / CarShield handles the formal contract administration and claims processing. The charge is not an auto insurance policy. Instead, it pays for an aftermarket service plan designed to pay repair shops for covered engine, transmission, air conditioning, and electrical repairs after a manufacturer warranty expires.

This charge most commonly appears after someone enrolls by phone or online in response to promotional mailers warning about vehicle coverage expiration. Plans are structured as month-to-month commitments that renew automatically until you explicitly call to stop them. Recurring fees generally range from $99 to $179 or more each month, making charges like $129.99 typical. If you recently purchased a used car or spoke with a representative about mechanical coverage, your card details were likely placed on an automatic recurring debit schedule.

If you want to cancel the contract, call customer support at 1-800-587-4162 or log in to your account at carshield.com. Most contracts include a 30-day money-back guarantee, allowing a full refund if you have not filed any repair claims. After 30 days, any refund is calculated on a prorated basis and may incur an administrative fee. If you did not sign up for this service or suspect unauthorized billing, contact your credit card issuer immediately to report the transaction and dispute the debit under the Fair Credit Billing Act.

Common reasons for this charge

• A monthly installment payment for an active vehicle service contract.
• An ongoing auto-debit renewing month-to-month breakdown coverage.
• A phone solicitation enrollment after a vehicle manufacturer warranty expiration notice.

How to locate the invoice and cancel

1. Sign in to CarShield Portal Go to carshield.com and log in to your customer account.
2. Review Contract Documents Locate your contract number and administrator details (American Auto Shield).
3. Cancel Service Call CarShield customer care at 1-800-587-4162 or submit a written cancellation request with an odometer statement.

Frequently Asked Questions

Dispute Rights & Fraud Prevention

If you never authorized enrollment in a CarShield contract or cannot get customer support to cancel your plan, you have specific consumer protections under federal law. Contact your credit card company or bank directly to report the charge as unauthorized.

Under the Fair Credit Billing Act, you have 60 days from the date your billing statement was sent to dispute an improper or fraudulent charge in writing. Your card issuer must acknowledge your dispute within 30 days and resolve the investigation within two full billing cycles.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• CarShield Sample Contracts & Disclosures https://carshield.com
• FTC: Auto Service Contracts and Warranties Guidance https://consumer.ftc.gov