I purchased Guardian's Leather Care System Warranty when I bought leather furniture from Hecht's (now Macy's). Guardian Protection Products is an RPM company, which I would have expected to be reputable.

One of the pieces of furniture was accidentally torn and I attempted to file a complaint with Guardian. The only way they take a claim is on the phone, and the claim was immediately denied. The CSR declined my request to speak with a supervisor. I called a second time and had a supervisor from another department transfer my call to the service center. The person who picked up the call said the supervisor "ran out the door" when he heard I was calling back.

After many emails and calls to complain, they finally sent a technician over to look at the furniture. She told me she was sent purposely to find a way to deny the claim. She stated that they are an insurance company and that they lie all the time. She brought no tools or equipment to attempt the repair, but did take pictures of my dogs and blamed the damage on them, although it was clear the damage was not pet related.
She told me she wouldn't get any more repair work from Guardian if she didn't support denial of the claim for them.

I filed a complaint with the Better Business Bureau--one of over 200 about this company. They declined to send a written response and declined an offer to go to arbitration to have an independent person assess the complaint.

I also sent copies of everything to RPM---they also failed to respond. I have now sent the details to a class action attorney and to another attorney for a possible unfair and deceptive trade practices lawsuit.