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A New York man has filed a class action lawsuit alleging Bob’s Discount Furniture fraudulently promotes its “Goof Proof” warranty to consumers.
Plaintiff Renal Glover says the Goof Proof warranty is marketed and sold to protect against furniture damage such as food and beverage stains, pen marks, tears, and punctures.
Glover claims the furniture’s “discount nature” creates added incentive for consumers to purchase the Goof Proof warranty, because they know less expensive furniture “may not be as sturdy or resistant to accidental stains or tears as higher priced furniture.”
However, the class action lawsuit states that Bob’s Discount Furniture collects premiums and then rejects claims submitted under the warranty.
The plaintiff says Guardian Insurance provides “undisclosed incentives or kickbacks” to Bob’s Discount Furniture for every Goof Proof warranty sold. In addition, sales employees can receive bonuses or, conversely, be penalized based on how many warranties they are or are not able to sell.
Glover alleges that consumers are misled through the defendant’s warranty sales “because the furniture is poorly made,” meaning the company “can more easily and unfairly attribute any accidental stain or rip to a product defect, when there might be cause for overlap between what caused the damage.”
When customers submit a claim under the Goof Proof warranty, it’s allegedly denied with the reasoning that the damage was not actually accidental but rather caused by misuse.
Bob’s Discount Furniture routinely denies warranty claims if customers are unable to state the exact date in a 30-day period when the damage occurred, the complaint says.
“Not noticing a stain or damage on the day it occurred is a common circumstance, especially if the furniture is used by other persons within a household and not exclusively by the warranty holder,” Glover’s complaint says.
The company also denies Goof Proof warranty claims in other situations, such as if there is more than one mark or puncture on the furniture; in those circumstances, the company allegedly chalks the damage up to misuse.
The company often categorizes rips or tears as “normal wear and tear” even if they are actually accidental damage supposedly covered by the Goof Proof warranty.
Additionally, Glover says the defendant hasn’t “reasonably defined” what types of damage are considered “excessive,” though it cites this reasoning when denying valid claims.
As a result of all this, Glover says the Goof Proof warranty’s value is “materially less” than the defendant represents.
Had he and others known the truth about the warranty, they either would not have purchased it or would have paid less.
Glover formally accuses Bob’s Discount Furniture of violating New York General Business Law and of breach of contract, fraud, unjust enrichment, and negligent representation.
He is seeking injunctive relief ordering the defendant to correct the alleged wrongdoing; restitution and disgorgement; monetary damages, including statutory damages; attorneys’ and experts’ fees; and any other relief deemed appropriate.
Did you purchase the Goof Proof warranty from Bob’s Discount Furniture? Tell us about your experience in the comments.
The plaintiff is represented by Spencer Sheehan of Sheehan and Associates PC.
The Goof Proof Warranty Class Action Lawsuit is Renal Glover, et al. v. Bob’s Discount Furniture LLC, Case No. 1:20-cv-10924, in the U.S. District Court for the Southern District of New York.
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346 thoughts onBob’s Discount Furniture Doesn’t Honor ‘Goof Proof’ Warranty, Alleges Class Action Lawsuit
It’s the worst. They ask you to purchase this but don’t cover anything. It says all accidental spills covers. And the claims still get denied
I would like to join this class action suit. I purchased over $9k worth of furniture and they denied one of my claims and while I need to file another one, I already know Tue are going to give some bs excuse to not approve it. I contacted BoBs to discuss what Guardian is doing and they stand behind using them. I will NEVER buy from them again or recommend anyone to spend their money there.
I also have had a $3000 sofa material damage I bought the goof warranty. The denied it because originally my wife placed the warranty claim and didn’t know exactly what happened. So I called and told them exactly what happened. But they still denied it because originally my wife didn’t know.
I would love to join this lawsuit. I too have been fooled by buying this.
How can I join this? I submitted a couple of claims that have been denied.
I would also like to join this lawsuit. Ans have had similar experiences with them claiming my accidental damage was older than 30 days and had other stains?? Please contact me
I made claims 3 times on 2 different items. Even called their claims departments. Sent and email pictures. Kept all emails. Called the branch where purchase was made. By the way, I’m about to pay the final payment in 2 days of posting this. Yay…. Side eye effect. Calls, actually got hanged up on 2 times. No call backs after promised they will. They will not honor anything. I have 5 years on everything and due to end next summer 2023. I’m about to give them yet another chance, because after all I’m a nice guy giving a benefit of a doubt, but this also builds my case as well that I went above and beyond. If you are really a lawyer and you want to get this done, email me and let’s talk. It seems everyone on this thread is just as annoyed and ready for answers.
Forgot to mention on the last post. We have 8K worth of furniture from them.
The claim have been rejected by goof protection repeatedly. I want to join lawsuit.
Denied twice on issues I was told would be covered. Goof proof is an absolute joke & scam.
Because I could not tell them the exact date and time of the first incident I was denied and then when sitting on my couch we heard a crack in the foundation on the couch broke and they said they don’t cover that either
I also was just denied due to their “normal use” claim. I leaned on an armrest and it broke away since it was non intentional that would be an “accident”.
I want to be part of this claim.
My claim was denied because of what they call damage during normal use and denied. I pulled the item too hard and the screws popped off. It was an accident. My claim was denied. I’m stuck with a broken ottoman although I purchased a warranty to cover such accidents and they say their decision is final. I would like to be a part of this class action.
I was denied with the exact reasoning listed in lawsuit after they “investigated” my claim. I have a damaged stand alone recliner and a damaged recliner which is part of a sectional. It’s horrible that they sell this insurance KNOWING they will just deny claims. I kept my paperwork and followed guidelines but I was denied like everyone else. It’s shameful.
Please include me in this class action lawsuit.
I was designed on accidental damages and would like to be included. I think I already made a request on this but never heard back.
We have had many many insides with bobs and the claims . One incident the police actually had to get involved . The company is a joke