I blew it out, took about 1.5 years.
I just called 5.11 warranty and customer service. They said its normal wear and tear and lifetime warranty is not applicable.
I cant say I am very impressed that 1.5 years possibly two years time (but i have three of these belts, I keep them in sepperate pants as ill wear a pair of pants more than once if they did not get dirty). By my calculation it was about 6-8 months of honest wear and tear.
That is hardly a lifetime.
I would feel bad returning something that is 20 years old that I wore the heck out of. But this is the poly insert blowing out at the belt holes.
it looks sorta like this, different color brown, same rivet that says 5.11 tactical etc.
save your money and don't buy one with the poly rib sandwitched between leather. Its not a great design.