I purchased a warranty from Guardian Protection Products for my leather chair. A month or two after the purchase, I noticed a bad scratch in the chair. I called their 1-800 number and left numerous messages with my warranty claim. They did not return any of my calls. I filed a complaint with the North Carolina BBB. They told the BBB they had not received my phone calls. A lady named Michelle called me and immediately denied my claim because she said scratches are not covered, even bad scratches. The warranty clearly stated that scratches are covered. I asked Michelle what the warranty did cover, and she said rips are covered. I asked the difference between a scratch and rip, and she said you can see the foam underneath with a rip. I said I could see the foam underneath, and she said, "Too late, you already said scratch" and hung up. She then wrote to the BBB and told them that she had offered me repair service and a full warranty refund and that I had declined both and threatened to sue her. This is without doubt the biggest scam company I have ever dealt with - avoid at all costs.