Integrated Child Seat Belt problems of the 2004 Ford F-150

This is regarding our rear seatbelts failing on our 2004 Ford F-150 1. My wife putting our car seats back in the truck 2. Two seatbelts fell apart, it appears as though a nut holding them came loose 3. Ford will not fix this under any warranty since I'm outside my warranty time. In my mind this should be a recall or a lifetime warranty. Both of these seatbelts were connected to 2 of our baby seats; at any time we could have simply hit the brakes and they both would have come loose. I'm surprised they want to wait until an accident occurs to make it a recall.