Debt Articles Vehicle Related

Don’t Be Fooled by This Vehicle Extended Warranty Mailer from Vehicle Protection Center

Written by Steve Rhode

Update 4-10-2015: Lyle Cameron sent in an error report on this story and said, “This company is not a scam and only uses top administrators in the Vehicle Service Contract industry. Not to remove the post but to correct the information here and an apology from the creator for spreading information that isn’t true.” He did not indicate what information was not true at the time the story was originally published on 12-18-2012.

A tipster (send in your tips here) just sent in the mailer below and it’s a good opportunity to remind readers not to be fooled by extended warranty offers.

Below you will see a post card that is being sent to consumers that could be easily misinterpreted as a mailer from the vehicle manufacturer.

It looks very official and has a generic name on it, Vehicle Protection Center. I called the number on the card, 1-800-435-1130 and spoke with a representative that tried very hard to sell me extended warranty protection. He said that the Vehicle Protection Center handles Honda extended warranty service.

The representative does say that they are located in Saint Peters, Missouri on Mid Rivers Mall Drive. It appears to be this company.

While the postcard and sales representative insist that the company name is Vehicle Protection Center, that is actually a registered fictitious name for NRRM, LLC. NRRM, LLC is actually the consolidated company formed by Auto Warranty Protections Services, Inc. and National Dealers Warranty, Inc. Rudge Gilman was the president at the time of the consolidation and Nicholas Hamilton was the Secretary. – Source

It appears that both Gilman and NRRM appeared before on this site in Beware of Stop Repair Bills for Auto Warranty Contracts Says BBB.

The Auto Warranty Postcard

Before you elect to accept any such offer to sell extended vehicle warranty coverage to you, it is important to be aware that the offer does not come from your car manufacturer and there is no evidence it is supported or honored by the manufacturer.

Make sure that you receive a copy of the coverage terms and conditions before you give up any personal information or sign on the dotted line. If you want to compare the cost versus benefit, take the details on the coverage to the place you normally have work on your vehicle done and ask them if they would accept such coverage.

I would recommend that anyone considering using such a company should read How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off.

READ  Should I trade in my vehicle or keep it and add extended warranty? - Janice

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • *Also known as Powertrain Enhanced Service or Advanced Vehicle Protection Center and through? American Auto Shield*

    This is an absolute scam with terrible customer service. I, being the dumb dumb that I am, signed up for the Auto Coverage for my new-to-me vehicle after “my protection specialist” told me that I couldn’t call back because the coverage offer wouldn’t be available. (First Red Flag, folks.) He said many times, though, that I could get my $169 downpayment completely refunded within 30 days and that the call was recorded. I thought it would be a hassle to refund, but probably not too bad, right?


    As soon as I was able to get the right contact information from the protection specialist (which took 3 phone calls by the way), I was on hold for about 20 minutes.

    Then it really got bad.

    I spoke to a representative who would not only not let me speak, he undermined both me as a woman saying phrases like “is your husband there?” and “it sounds like your husband is making you cancel this service, not you.” (Um, how dare you?) He kept asking irrelevant questions, and truly would not let us get a single word out. At one point he questioned my husband’s common sense! He said phrases like “you have not given me a logical reason to cancel this coverage.”

    Here is the real kicker – After a 20-minute phone call of questioning our intelligence and being generally the worst, he said “fine, you will get your refund in 7 days” and HUNG UP ON US IMMEDIATELY.

    Needless to say, do not fall for this crap. I learned my lesson the hard way, but please be smarter than me! Stay away!

  • There is now a “hit” contract out for the owner and employee(s) of this “company”. Should be all cleaned up pretty soon. Should not be a problem in a few weeks.

  • In my opinion, they are engaged in deceptive advertising at least in Texas. Their letters strongly imply one is a customer by using customer i.d.s even though one has not purchased anything from them and purchased a manufacturer’s warranty. Highly Deceptive.

  • I almost fell for this too. They called today, and I did give my mileage and car information, but I started to sense something was especially fishy when they wouldn’t let me get off the phone to discuss it with my fiance before putting down the first payment. They were so determined to get that down payment out of me first, and then I could “cancel at any time if I am not pleased with the service”.

  • We received a misleading and dishonest notice from Carshield at 333 Mid rivers Mall Drive this evening apprising that my warranty was not activated on my new GMC. Incorrect, my warranty was activated at the time purchase and I am not a customer of Carshield as they insinuated I was. I’m making copies of this letter and will be forwarding them to the USPS and FTC. Appropriate legal action needs to be taken of this widescale unending theft as treachery.

  • I actually got 2 letters today, from 2 different “extended warranty” companies. I called both of them, told them I didn’t want their services, and to please take me off their mailing lists. They both took me off, no problem, no attempt at sales, nothing! Maybe they are finally getting the hint!

  • Apparent Ponzi-scheme mailings: The latest, labeled “2nd Attempt to Contact”; is a 3-edge tear-off, folded paper, w/security print-layer, resembles SSI-annual-statement. It looks-like legal papers, until examined closer.
    Based on other posts/various sites, and other mailings, this outfit seems to have various names, phones and locations. Mailings often lack return address or company info.
    This one only had: Auto Service Agency, 1-800-429-1341, on inside only.
    The USPS address was only on website.
    From other’s posts, website is:
    Mailings have averaged almost one/month, for more than 2 years.
    My full name ONLY appears on legal docs, which ONLY come from State records, Dealers, or Finance companies; none should be shared!!
    The car listed in mailings we received: a Used vehicle bought from All Star Ford [now out-of-business], Olympia, WA. That triggered blitz of mail-deals, some w/threatening tones.
    AFTER that was traded-in at Hanson Motors in Olympia, then Uhlmann Ford in Chehalis kept sending offers of unrealistic high trade-in value towards new car; offers for extended warranties, refi-offers, service plans, etc. kept coming.
    We NEVER respond to ANY of those offers, yet they keep coming.

    Scammers harvest data from every source possible, and show signs of Ponzi/deception/fraud/boiler-room ops. They seem troll for the elderly, the poor, service members, uneducated ‘rubes’, etc. who might be desperate to have coverage or deals too good to be true.

    Questions include:
    — HOW/WHERE do these keep linking me to That car? ARE there secret phrases or words to use, to get them to divulge their sources?
    — DID dealerships do their paperwork wrong, or not at all? When vehicles are sold, a separate relinquish-ownership paper needs filed with Department of Licensing/DMV, so State lists Seller as no longer owning/controlling that vehicle; otherwise, a seller can be held liable for damages involving the vehicle, even years after-the-fact.
    — WHAT ELSE might they be using my information for? Them having my full name, address, and car data; if they have that much, what ELSE?!
    — HOW do I find out?
    — HOW can they be stopped?
    — WHAT happened to Laws designed to stop Deceptive Business Practices??
    — Could these be pursued under “Mail Fraud” laws, since USPS is their main tool?
    — Can STATES be served “Cease and Desist” orders, to prevent them selling/sharing “public information”? States and businesses divulging “public information” constitute HUGE security breaches!

    I had to assume the “Customer-ID-Number” was that above my name in the address.
    At the website, I found a greyed-out, extreme-tiny-print Link to “opt-out of mailings” at bottom of page; required entering ID-number, then “prove you are not a robot” box w/a math answer. IF this stops-these, it’ll probably only be from one-section of their amoebic -boiler-rooms, not from others they sell/share data with.
    “Opt-out-of-3rd-party-contacts” is Unreliable; Instead, consumers should have to “opt-in”!

  • I just received this letter and unfortunately fell for it. After doing research and seeing this article it all started to make sense that it was a scam. I called trying to cancel three times and they would not let me. On the third call I was on the phone for 30 minutes asking to cancel and kept getting “but why?” and basically being told I was dumb for canceling because my car is a “clunker” (it’s a 2010 Ford Escape…) anyway finally spoke with someone else and got it canceled, but I really hope others see this and don’t have to go through dealing with them!!

  • I wish I would of checked first. I fell for it, then called my dealership the next day who said they would not recommend them. So I called to cancel and lo and behold they were closed for a few days. So I called from a different phone and they were open. They sure had my number! They kept transferring me to people to attempt to change my mind but I didn’t want to hang up until I knew they had canceled my membership. It took quite a while, but they eventually canceled me, but not for a serious lack of trying, even after I told them we had decided to sell the car!

  • I just opened almost the exact same mail as he scanned above. I’m ticked off, because it looked official and I’m wasting time reading it. I feel like I got suckered. Glad Steve is on it!

  • I was phoned by a company who knew my name and what car I drive. It was a Connecticut number. I hung up on them and tried to call back. Sure enough, a recording stated it was a “non-working number”. These protection plans are TOTAL SCAMS!!

  • This group just called my 83 year old Mother-in-Law yesterday, 4/28/2015, to inform her that her 2 year old BMW was coming off of warranty and they are happy to provide her with an extended warranty for $330/month – an offer that would only last for the length of the call. When she asked to contact her son first and talk to him about it, the man on the phone at Auto Service Agency (1.800.428.9895) responded, “Your son would want you to have this warranty. Unfortunately, once this call is over, I can no longer provide this low rate to you.”
    I am incensed. This organization is preying on elderly and uniformed individuals. By the way, the warranty on her car isn’t up for another 2.5 years, and how they knew she even had this car is suspect to me, which is why the BMW dealership is getting my next call. They can argue their innocence all they like, but I’m going to share their quotes to my family and their method as far and wide as I can. This organization is despicable, and if I can get them showcased in the NYT and WSJ, or even CNN, I’ll do it.

    • This same scammer outfit uses many different phone numbers.
      Ours has: 800-429-1314 as a number.
      Plenty other cues on the mailing, that this is bogus.
      Very disturbing that these outfits keep getting away with this garbage!
      We’re supposed to have laws that prevent or control this sort of deceptive business practices!!!
      Can they be pursued under USPS mail-fraud laws?

  • I just received a mailer from this organization and immediately recognized it as an almost scam. Although they may be a legal business, their marketing techniques are deceptive to say the least. I consider this type of business to be unethical. their Facebook page allows no posts other than by themselves and they aren’t registered with yelp. This avoids any negative reviews and allows them to bill themselves as a reputable company. there is a new phone number 1-800-428-9097 and they claim to be Auto Service Agency which is a layer in the onion of deceit.

  • I was tired of receiving extended warranty spam from Auto Service Agency in the mail. I called 1-800-430-0167 and politely asked Brandon to be removed from the mailing list. Brandon proceeded to hassle me for almost 7 minutes trying to sell me a warranty. After asking 3 times to have my address removed over the course of the conversation and continuously conveying that I was not interested, he finally removed my address from the mailing list.

  • FYI the same scam using a different phone number 1-800-428-9895. If you look it up now the parent company is (War on Snow) in Capentersville IL

  • i have received two of these letters in a week. funny thing is that my car is only 6 months old .i still have 4 years and some change left on my warranty .i knew someone who purchased that junk ,and when they needed a repair they said they did not do those or those or those kind of repairs ,and it was simple stuff,and a air condition problem ,and some really minor problem.they fixed NOTHING! anyone claiming they got their repairs from this company fixed is either someone paid by the company to say so or just being paid.

  • I received one of those notices in the mail today and I mine said Auto Service Agency and did my research online and said it was a scam so I tore it up and threw it in the trash. I don’t even have a warranty on my car.

  • LOL I got one for a Chevy Volt, they got very angry as soon as I asked them if it covered the replacement of the Lithium Ion battery system.

  • You guys are stupid. You have yet to even look into the administrators. you obviously don’t know a scam from a real company. go ahead and keep saying what you want but they are legit and they pay the claims so I’m pretty satisfied with them.

  • Received the same letter from “Auto Service Agency”, phone number 1-800-428-9895. Had my mother very worried, thankfully I googled it before calling. Seemed super suspicious to sell me an extended warranty when my manufacturer’s warranty is still very much intact.

  • SiriusXM is selling customer data to these warranty scammers who have a very bad reputation. I got one of these letters and the car listed is for my wife, which is entirely in her name and the only association I have with the car is that I pay for the SiriusXM service.

    I hope SiriusXM enjoyed the few pennies it got selling my name because I have cancelled their service.

  • My son received same from VPC,
    different phone number listed on it than the one given above, same notification.
    Phone on this is 1-800-427-0373. I received several from Vehicle
    Administration Center. Have been sent several with “deadline”
    dates, 2nd attempt and numerous “final attempts.” I called my
    mechanic and he said junk, but google it. What bothers me is that someone
    is patronizing this nonsense, making money and it is bogus! So Sirius may
    be the one selling my info? I wondered if anyone had this information as
    to who might be selling our car info…. but my son never had Sirius (his
    info came from VAC and mine from VPC)….

  • That could be it. SiriusXM has been sending me mail with offers to reactivate the radio in the 2013 Hyundai Sonata. I don’t drive often enough to justify the extra expense even if I was to get it at a discount as I have the detachable Onyx radio at home that is constantly on.

  • I just got one of these today in the mail and I would really like to know how and where the hell did they get the exact info on what car I drove? Yes, I drive a 2013 Hyundai Sonata but the manufacturer warranty is still valid.

  • Just so you know, I received this today – and I have never, ever even owned a vehicle! So apparently they are not mailing it to just about anyone. Beware!

  • They are still at it about a month ago i got a phone call from them and i blocked them, now a letter like you have posted some new changes but mostly the same i did a little
    research and found a few comments that people had signed up for Sirus-XM and
    Sirus-XM is selling your private info or someone is leaking it to this scam
    company, the few comment i have read people have missed spelled there name on
    purpose or use a maiden name and the mail coming in is the same
    they gave to Sirus-XM this how they know the make and model and year of car
    your home address and your name!

    • This is definitely SiriusXM that is giving this info. I happened to buy a used car at the same time I signed up for SiriusXM, so I thought maybe it was a legit offer after buying my car. I read someone say that SiriusXM was the cause, and sure enough, they had the slightly different model I gave Sirius instead of the actual model of the car. I am fuming that SiriusXM is giving this info away.

  • I just received the very letter that is described in the article. I KNOW for a fact that the warranty on my vehicle has NOT expired because I just had my vehicle serviced recently for a recall repair and the dealership confirmed that I still have the warranty (and the extended warranty).

  • I have repeatedly called this company to be removed from mailings, and they ask for mileage and try to divert you. I was told ‘well it will be unfortunate when you unexpectedly break down.’ Finally hung up after he refused to ‘remove’ me, and called back, to the same person (‘Ryan’) answering and intermittently putting me on hold. After I refused to divulge mileage or any other details he told me ‘I was removed,’ although I don’t believe it again. Definitely contacting BBB this time.

  • I got the post card and I unfortunately fell for it. It sounded so official. I’m embarassed because I don’t usually fall for things, but being the caregiver for my husband who is a stroke victim, I needed assurance that my car was under warranty for a continued amount of time. What can I do now? If they were deceitful, does the contract hold? They lied. About a month after receiving the contract, I found my original warranty card that stated it didn’t expire until 2017. I’m at a loss of what to do.

  • This is a classic case of being deceitful. It’s also a glaring reason why thousands of people do not trust extended warranty providers. Check out, which is a new extended warranty company that’s leading with transparency.

  • The dude gave me no details about their service and most importantly kept asking for my credit card number. I finally told him he was pizzing me off and I hung up They want $5393 minus $100 deductible per occurrence for 6 years.That’s a lot of repairs and I have never spent that much for any car I’ve owned.

  • Well,I’m the latest to experience this and I was almost sucked into this whole thing.Official looking letter and my guess was with a letter like that it must have some importance to it…lol I looked it over and it sounded pretty good but I had a couple of weeks deadline to act so I decided to call the fine folks at Vehicle Protection Center(1-800-443-7038 was the number) this Saturday morning on my Samsung phone.Make a long story short,it started off convincing w/ the service rep. I was talking to and was already to commit.Then he quoted the price I had to pay per month and year which was a bit steep and told him I couldn’t quite afford the monthly.That’s where he got a little aggressive in his manner offering me an immediate discount on the spot and tried to talk me down.Well not liking “pushy” but not wanting to be “rude” I told him I will get back with him on the discount but he only got worse so I just hung up.What really kicked me in the ass was I didn’t think this was a scam until I looked up this Vehicle Protection Center on Google AFTER I made the call.A real case of feeling stupid just kicked in and I just shook my head.Why didn’t I look this up before?It was by accident that I didn’t fall for this crap.Bullet dodged.

  • I just received this flyer in the mail last week and thought it to be strange since my warranty through the dealership expired last year and I did not renew. I called the number today and the guy was very pushy trying to get me to purchase this warranty and would not let me get off the phone after I told him at least five times that I would think about it and call him back. He kept saying, “What is there to think about?” He was also trying to make me feel stupid if I didn’t purchase it. I finally had to hang up on him and decided to do some research. The new number on the flyer is 1-800-466-1548.The whole thing seemed shady from the get go. Glad I went with my gut!

  • Great Article, Steve!

    One way I look at these deals is this: If they use a minor deception to get you to do business with them, where is the relationship going from there?

    These cards are made to look official and sound like they are from your dealer or manufacturer – they aren’t. A big lie? No, just a minor deception.

    But if they are willing to deceive you to get you to call, what else are they willing to do?

    A factory extended warranty is best – but expensive. They are marked-up heavily, so negotiate on price.

    And beware – some dealer salesmen will try to sell 3rd party warranties, saying they are “just as good as” factory warranties – they are not. But they are more profitable for the salesmen.

    3rd party extended warranties are rife with fraud. Most go bankrupt every few years, leaving the policy holders with nothing. Even the “legitimate” ones rarely pay out – or make the process so difficult to deal with that they never pay.

    I inherited one on a boat I bought. When it broke, they never answered the phone, and writing to them produced no results whatsoever. My only recourse was to sue them, and the costs made that a non-starter.

    I don’t think extended warranties in general are worthwhile. But if you do get one, get a FACTORY one – otherwise you are just throwing money away.

    Great Posting! Keep up the good work!

    • You are absolutely right about the 3rd party aftermarket warranties sold by some dealers. Big profit center.

      Always best to ask for a manufacturers extended warranty if that’s what you want.

      Basically an extended warranty is a bet by both parties that the vehicle will or won’t need future repairs. By their very nature the price of the extended warranty is more than the estimated repair costs for the vehicle. That’s how the sellers of such products make a profit.

      I do happen to have a success story with a Lincoln extended warranty. We bought a used car and took out the manufacturer extended warranty. The engine developed issues and had to be replaced. It cost me a total of $50 and best yet, when we sold the car Lincoln refunded the remainder of the extended warranty term.

      • I woud take that as a sign to avoid buying a Lincoln! Or anything American….Japanese cars, especially Toyota, Nissa , Honda and Subaru, are so much more dependable than ANYTHING made by the American Big 3, IMO.

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