Guardsman improperly refuses to repair or replace furniture that is under a Guardsman warranty. Guardsman sells furniture warranties to consumers primarily though third party dealers. These third party dealers are often times furniture stores and other retail outlets. Consumers have complained that Guardsman, Inc. marketed, sold, distributed and issued warranties that contain open-ended, illusory terms that effectively nullify the existence of any coverage at all, and even if coverage did exist, the terms effectively allow Guardsman to exclude coverage for warranty claims for any reason at all. Guardsman routinely excludes coverage for warranty claims for reasons that are not specifically outlined in the terms of their furniture warranties. Guardsman unilaterally creates standard-form reasons to deny warranty claims. These standard-form reasons to deny warranty claims, include, but are not limited to, that the furniture damages to be repaired (or replaced, if repair is not feasible) “cannot be attributed to any single occurrence or accident, ” “were the result of normal wear from customer usage, ” and that “were not reported when they occurred, but when they were discovered” by the consumer. As a result, Guardsman has engaged in deceptive, unfair and fraudulent practices causing damage to consumers throughout the United States who have purchased the “Furniture Protection Warranties”, submitted claims, and subsequently had them denied.