I tried filing a lm extended warranty claim with cardbenefitservices for a pair of spoilt headphones. This has been my worst insurance and Chase experience. All figure purchases where I need EW protection will be on Amex.

1. As some above have noted - you can only talk with call center representatives who are not the claims handlers. You are not allowed to communicate directly with the claims handlers and the call center representatives have no idea what they’re talking about or what the claims handlers actually want.

2. I had a call last week with a call center representative supervisor insisting that my claim would only be pair out if my headphones were sent to them in undamaged condition. I’m not sure they understand the meaning of warranty protection!

3. I encourage everyone to file a complaint with the BBB or local state insurance regulators.