In a striking legal battle, a group of consumers has taken action against a vehicle service contract provider, alleging deceptive practices and breach of contract. The lawsuit was filed by Jessica Cooper and others in the United States District Court for the Northern District of Illinois on March 19, 2025, targeting Endurance Dealer Services, LLC and Endurance Warranty Services, LLC.
The plaintiffs in this class-action lawsuit include Jessica Cooper from Ohio, Daniel Kujawa from Michigan, Philip Rinella from Pennsylvania, Melissa Rumpf from Texas, and Matthew Wilder from New Jersey. They claim that Endurance misled them into purchasing vehicle service contracts with promises of comprehensive coverage that were not honored. According to the complaint, these contracts were marketed as offering protection against unexpected car repair costs but failed to deliver when claims were made. The plaintiffs accuse Endurance of fraudulent concealment and misrepresentation, among other allegations. For instance, Jessica Cooper paid over $4,000 for a plan that promised transmission coverage but faced delays and eventual denial when she filed a claim for her Ford F-150's transmission failure.
The lawsuit details numerous instances where Endurance allegedly delayed or denied legitimate claims without contractual justification. Consumers like Daniel Kujawa experienced engine failures in their vehicles but faced months-long delays and partial denials based on arbitrary limitations such as vehicle trade-in value caps. The plaintiffs argue that these practices violate consumer protection laws across several states including Michigan's Consumer Protection Act and Texas's Deceptive Trade Practices Consumer Protection Act.
The plaintiffs are seeking restitution for the amounts paid for these ineffective contracts along with additional relief deemed appropriate by the court. They argue that they incurred significant out-of-pocket expenses due to Endurance’s failure to honor its contractual obligations. The complaint highlights systemic issues within Endurance’s operations, accusing them of using third-party administrators without disclosure and employing aggressive sales tactics to mislead consumers about the extent of coverage provided.
Representing the plaintiffs are attorneys whose names have not been disclosed in the document. The case is being presided over by judges in the Northern District of Illinois under Case No.: 1:25-cv-02919.