Purchase Guard

I don't have this card, so you'll have to forgive me if I
misunderstand.

I also have a card with an extended warranty benefit. Once, I had to
use it. In with all the materials they send me when I got the card
were instructions for filing a claim. Let me say that again: a CLAIM.
As such, they were very particular about how I was filing. There was
a specific form to fill out, which I had to mail to a specific address
along with a copy of my receipt. There was a totally different phone
number for questions about it.

Now, the folks at the card's 800 number should be able to give you the
phone number of the claims people. It might be a different company or
it might be a division of Capital One.

Now, it sounds like there are two problems. First, the people you're
speaking to don't even know what an extended warranty benefit is. It
sounds like they think you're calling in a merchant dispute. But you
also say that they say you're not covered. I presume that these are
different people? For example, the folks at MasterCard (NOT your
bank) say you aren't covered, but the folks at your bank don't speak
English.

I did a little checking and, although these things are normally
supposed to be handled by the issuing bank, 1-800-MC-ASSIST is
supposed to send you a claim form.

I'd suggest that you get out your card agreement and offer to read it
to anyone that tells you that you aren't covered. "Why do you think
I'm not covered when my agreement says..." See what they say.

Good luck.

Why did MC say that it's not covered?