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  1. #61
    anna*
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    Re: Asurion cell phone insurance review!

    Quote Originally Posted by MattEmert View Post
    It doesn't matter if its dishonest or not. For years corporate america has been doing things that are dishonest.
    While it is true that corporate america can be dishonest, I have also heard that exact same excuse used to justify shoplifting. While I am far from a paragon of virtue, I try to be honest. Just because there are companies that are dishonest, that doesn't give me the right to stoop to their level.

    Quote Originally Posted by MattEmert View Post
    The phone companies that sell you there phones are dishonest for charging more then what the phone makers sell them for. Thats why prepaid phones are really cheap and contracted phones are not.
    I have found the exact opposite to be true. There are so many promotions out there that let you pay less than market value for phones if you agree to sign a two year contract (Verizon, T-Mobile, Sprint, AT&T etc all have those offers). And those phones are much more advanced than prepaid models. They have many more features.

    Quote Originally Posted by MattEmert View Post
    I think what is dishonest is the isurance companies not telling you that the phones they send you are refurbished and not new. Think about it, how big is it a rip off to charge someone five dollars a month and then fifty to a hundred to actually get one of their phones that the got for free from someone who was in the same boat as you?
    Oh Asurion is a total scam, no doubt. The only time it could possibly be worth it is if you have a phone worth several hundred dollars.


    See More: Asurion cell phone insurance review!




  2. #62
    MattEmert
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    Re: Asurion cell phone insurance review!

    I understand where you are coming from. Anna do you realize that if you go to europe and get a phone from say T-mobile deuschland you would save like 2 or 3 hundred dollars on buying an iphone. Most companies over seas don't do 2 year contracts because they know that it can cause a lot of problems. Although you can get a contract if you want, they don't try to screw you over and give you a bad phone if you don't want a contract. Just wondering what is your age range? Are you younger or older? Maybe this has something to do with your answer? Anyways, I like that we are kinda arguing about this lol



  3. #63
    x0breeXcore0x
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    Re: Asurion cell phone insurance review!

    This is long, I know, but it has to do w/ 2 experiences with Ausiron.

    If it weren't for Verizon's customer service being so great I wouldn't have bothered keeping Ausiron after my first problem.

    Here is my story.

    I got my enV August of 07. Never had a problem. Well after 10 months in Jun 08 I left my purse on the back of my car and drove off. I ended up getting it back, but it had been run over by the mall cops! Surprisingly my phone worked, but both screens were broken. I called Asurion knowing I would have to pay the extra $50 because my extended warranty wouldn't cover it because it was considered "abuse", which is fine, I didn't expect them to.

    This is when all the problems started! The enV 2 JUST came out, and the original enV was no longer being made anywhere. Well I filled out my form online and came to an error page saying to call Asurion customer service. I called, they said they didn't have the original env, but would be more then willing to replace it with the Samsung Alias. I didn't know what the phone was and my internet was under maintenance, so I said I would call when I had a chance to research it.

    I didn't really want a different phone, I loved my enV. Finally I went to the Verizon store itself and looked at this phone. First off, I've never owned anything (6 years of phones) other then LG, and I planned to keep it that way. Then I went to the store and saw the phone. It was actually the phone my roommate had, and I hated it (she let me play with it one day). Well, saying "I hate it" wasn't enough for them, they said they were matching my phone with a phone that matched in comparison (as the contract I signed when I bought the insurance said they could do). Well, i use my enV's camera a lot and for some reason it hit me to check the camera megapixel. It was a 1.3 on the Samsung and I had a 2.0..there it was, my loophole.

    I called Asurion back as soon as I got home and said the phones were not the same in comparison because my phones camera is better. I also went on to say, there are only 2 phones out right now that compare, the enV 2 or the Voyager...I will gladly take either..and MAGIC!! They happened to have found my enV! Funny they didn't have it until I refused a cheaper phone and demanded one of equal value, feature wise. They mailed it and I got it the next day, I didn't think to check the QWERTY keyboard and called and activated it.

    Then I went to text someone to tell them I had a new phone. I hit A and something along the lines of "Asd8k" showed up. I knew that the phone was refurbished, and I honestly have no problem with a refurbished phone, as long as it was fixed properly. I was mad and didn't want to have to deal with Asurion again with their 30-day warranty. I drove to Verizon that day, went int, told them what happened and Verizon themselves said they would send me a brand new enV (since it wasn't manufactured anymore, they would have to get it from the warehouse) I got it two days later and sine it was new it worked great.

    Well Here is my second encounter with them.

    The phone Verizon gave me to replace the Ausrion one worked great until this past month when i dropped it in the tub. (I am very clumsy if we haven't noticed). Once again, Verizon is not responsible since it was "abuse" so i went onto Asurion, expecting problems. Surprisingly this time, no problems online getting my phone. I paid the $50 and got my phone the next day. I made sure to check the keyboard and everything and it worked fine. I called and activated it. Everything seemed fine, until the next day when someone called. The sound coming through as some what low even though my ear volume was set to maximum. Then from then on every time I received a call, the sound would go less and less until today I called someone and couldn't here them at all.

    Luckily I was at the mall and just walked down to the Verizon store. Walked in and straight to technical repair. Set my phone on the desk (still had it's screen protector covers on it, that is how long I had had it) and told him I got this two days ago, every time I use the phone to talk to someone, the sound goes down less and less!" He logged onto my phone account and looked at the warranty. He stated, well you are still under the 30 day warranty, not to mention you pay for extended, we actually have some refurbished ones if you want me to replace it right now. As I said, I don't mind refurbished as long as it works. So he went and tested my phone and then brought out a new one and transferred all my information.

    This phone works and sounds perfect, funny how Verizon can refurbish a phone perfectly and Asurion can't.

    But here is how I see it, yes I had to pay $5 a month plus the $50 deductible twice, but if I didn't have Asurion just buying this phone used on ebay the first time was $250, and this time $100. Even with 20 months of $5 fees and two $50 deductibles (that's $200) I saved $150!
    Yes I had to go to Verizon and have them replace my phone twice, but if I didn't have the Asurion phone to replace, I would have had to pay for a brand new phone.

    Basically, If you buy the insurance, make sure you get the extended warranty as well, that is what saved me. If you can find another insurance company, do it!!! If not, just make sure you have extended, you will need it with Asurion!!!



  4. #64
    dolphin55
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    Re: Asurion cell phone insurance review!

    Also had problem. My new HTC Touchpad with keyboard failed. Asurion sent me replacement - Touchpad - with no keyboard. Older phone from previous year. Their answer - "of like kind". Wait - no keyboard - isn't my phone a newer generation phone. Answer - not in stock - we can replace with "like kind". Oh yeh - plus $95 deductible. I'm moving backwards in technology and I'm paying for it? Any thoughts?



  5. #65
    pryncssdeb
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    Re: Asurion cell phone insurance review!

    I got to deal with Asurion, again in the last month.. I just got a new Omnia (actually, it comes tomorrow, but still) and I've had the XV6800 for a while. I accidentally dumped Mt Dew on it a couple of weeks ago, and it made the keys stick together. For whatever reason, my phones tend to get killed on fridays, so I have to wait until tuesday before my replacements show up. I got the new replacement (not new, but you know) and got all my programs loaded back into it (I have a crap load of apps and games for my 6800, and fortunately most of them will work with my Omnia), and it was working fine. I went to Little Caesar's to get a pizza, and on the way out, my phone slipped out of my hand and hit the tiled floor. Keep in mind that I had my other 6800 over a year, and it'd been dropped dozens upon dozens of times, and usually the back pops off, the battery falls out and the stylus goes flying, but it works just fine. I dropped this insurance replacement, and 1/3 of the screen goes white with multi-colored stripes. I was SOOO mad... because I'd just paid the insurance copay to get it, and it can't even handle a slight drop. It was a Friday, of course. Anyway, I called Asurion, told them the screen went dead, so they sent me another one, free of charge, refurbished. Which is fine, as long as it can take the occasional drop. It has, and true to form, back, battery and stylus flew out, and it worked just fine once I put it all together. I was shocked that they didn't even surprised that the screen went stupid on me on the 1st replacement. I guess it happens a lot.

    Would I still recommend the insurance? Well, if you tend to drop things, trip and fall, try to talk in the bath tub, or venture out into the "wild", then you need insurance. Myself, I'm clumsy and I rarely get out of somewhere without a spot or 5 on my clothes. And my husband has the memory of a mouse, and he leaves his phone on top of cars all the time, and runs over his phones (he's had 5 in 2 years... the gzone is the one that lasted), so he too has to have insurance. So yeah, save yourself some $$, pay the $5 for insurance a month, and it'll only cost you $50 (with verizon at least) to get a replacement. It's saved me a LOT of $.


    deb



  6. #66
    anna*
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    Re: Asurion cell phone insurance review!

    In Deb's case it probably is smart to get insurance. I use each of my phones for years and have only broken a phone once. I also don't have expensive phones loaded with the latest features. It's all about what your needs are. But Verizon and other companies make it sound like everyone should have insurance.



  7. #67
    zoey
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    Re: Asurion cell phone insurance review!

    Quote Originally Posted by garyboutilier View Post
    Hey bud, just wondering if you've ever had any insurance of any kind before? You pay the premium every month and if something happens, you pay the deductable. Would it be that difficult for you to take your old phone that you won't use any more and place it into the postage paid, already addressed envelope and drop it in the mail. Not difficult instructions...for most people. LOL Its really not out fault that you decided to drop your $300 ,or whatever you paid for it, phone in the toilet, or whatever happened to it, but we are there to send you a replacement phone for $50 plus a new battery and a new home charger. That's a pretty sweet deal if you ask me. Build a bridge buddy, and get over it. If you don't like the insurance, don't have it. But have fun paying full price for your next phone next time your dog chews it up, plus the cost of the battery.
    Hey BUD, looks like you work for this low life scamming company. I agree with angry 100% and yes, I have insurance on many things cars, medical, home, motorcycles, 4 wheelers, ect ect... So yes, I know how insurances work. I was curious to find out if Verizon insurance(Asurion) had gotten any better since my last encounter with them. I see it has not. I have been a Verizon customer for over 7 years and I once upon a time had the insurance plan. My phone was damaged so I filed a claim. Yes, to my surprise I had to pay $50 deductable (cause no one metions this when they're telling how great this insurance is). Anyways, fine its $50 big deal. Well, it became a big deal when I recieved a more than likely refurbished phone which I was told I would recieve a "NEW" phone should mine become damaged. I was unaware it was refurbised until I releazied the phone worked for about a day then quit. So, I call the insurance company and tell them this. They said they would send me a new phone after they recieved my old one which was like a week before all was processed. Okay, now I get phone number 2. Guess what? again a phone that didnt work. So again, with the process of waiting to get another phone Mind You I had NO phone at all during this time and was still paying for my plan with Verizon. Okay, so I get phone 3 and it was still obvious it was a refurbished phone because it worked sometimes. I paid $50 for my 3 crappie phones, $50 for the $5 monthly charge and another $70 for the month I didnt have a phone. We're talking about $170.00 for a phone only worth about $50 to begin with (I never get the ridiculous expensive phones). So before you go puttin this guy down for telliin the truth go and get yourself an honest job LOSER. You're pathetic at your attempt to defend this company. And Yes, I was never stupid enough to get the insurance again. Like I said earlier, I was hoping to find good reviews about this insurance company in hopes they had changed or verizon would find a different company to use. Don't waste your money on this insurance they are A BIG RIP OFF!!!!!!!! I hear some other phone companys have great insurance plans but surely not this one. Don't get me wrong I love Verizon just not the insurance option.



  8. #68
    julie20099
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    Re: Asurion cell phone insurance review!

    Asurion cell phone insurance is a rip off....Dont get it.....I have Verizon and was offered Asurion insurance on my cell phone in case my phone broke, or was stolen, etc.



  9. #69
    jbrady805
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    Re: Asurion cell phone insurance review!

    Jeff

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone with your representative in the CEO office. I have been trying to contact your company over the phone for over 2 hours now to file a lost phone claim.

    My first attempt was Saturday June 6, 2009 on line. I spent many valuable minutes filling out your on line claim questionnaire only to be advised at the end that my deductible was $100.00.

    My contract calls for a $50.00 deductible on my Sprint Mogul phone with monthly payments of
    $7.00 a month. See attached.

    I also have a policy with you on my daughters phone ( 0) which is also $7.00 a month for a total monthly premium of $14.00 a month.

    When I called your 1 800 584 3666 number this morning it asked me to punch numbers in. I punched the numbers in many times to only have the computer tell me the numbers were wrong an then hung up on me. I called Sprint and advised them of my inability to reach you. They put me on hold for over a minute until they reached a live person with your company which was “ Terry”.

    Terry advised me that the deductible went up in April to $100.00 and that many notices were sent to me. I asked to speak to a supervisor, I was put on hold again for a lengthy time and then given to “ Angie”. Angie suggested I ask Sprint for a $50.00 refund. After rehashing the incident with Angie she advised me that because of what I said I was being transferred to the CEO office and if no one answered to “leave a message”.

    Your company obviously has a policy of “phone - policy claim deterrence”, in other words, make it as hard as possible to reach and speak to some one to file a claim. Your company also has a policy of raising deductibles with out notice to its customers.

    The original contract agreed upon by the parties. I agreed to a $50.00 deductible and q $7.00 a month premium. I did not agree to have my deductible raised, ever, or to be harassed with a claim policy deterrent system.


    You are running a SCAM operation.


    I am cancelling my policies with you and my account with Sprint due to your lack of contract adherence.

    Immediately refund all my policy premiums, a total of $ 140.00, for both phones with in 30 days. Failure to do will result in small claims action against your company.


    I have just completed an internet search on your company and found numerous fraud complaints regarding your business practices!



    Jeff Brady

    attach: Mail card from Sprint - London KY- with my new address !


    cc.,
    Business License Metro
    523 Mainstream Drive
    Nashville, TN 37228

    Your complaint has been assigned case # 37057364



  10. #70
    csra
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    Re: Asurion cell phone insurance review!

    You people must not understand how the insurance business works. If I am not mistaken, don't you pay a monthly premium for your car insurance? And if you have an accident, don't you pay a deductible there as well? The mere 50 dollars you morons are griping about is a mere portion of the cost to replace the phone. Yes, the phones are refurbished, but a phone from a store, without signing a contract us usually 3 or 4 times the amount of the deductible you have to pay. That is insurance, people, not a service that you pay 5 dollars a month for a free brand phone whenever you break yours. How in the hell would insurance companies function if there were no deductibles? They wouldn't, that's the money maker for them. Read the terms and conditions for the insurance. 99 percent of the people do not.

    -Former Insurance Adjuster



  11. #71
    jbrady805
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    Re: Asurion cell phone insurance review!

    A contract is a contract



  12. #72
    nicknrm
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    Re: Asurion cell phone insurance review!

    An insurance company is an insurance company.

    I guarantee you're getting better service than the other wireless insurance company, the Signal, that some carriers (U.S. cellular primarily) use. Asurion's approval rating (as a company) is 88%...while Signal's is 45%.

    Also, Asurion is an ACCREDITED BUSINESS...according to the Better Business Bureau. Since the BBB thinks they are wonderful, but you disagree, maybe you should start by filing a complaint there. According to the BBB, this business has received an A+ rating.

    Better Business Bureau-Asurion Insurance Company


    Oh, here's a useful phone number (as quoted below):


    If you are experiencing difficulty in filing a claim please contact Donna Drehmann at
    Last edited by nicknrm; 06-11-2009 at 06:49 PM.
    Send Nick a PM

    I hope you found this post helpful. Choose Like/Thanks, if you did




  13. #73
    jbrady805
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    Re: Asurion cell phone insurance review!

    Your complaint has been assigned case # 37057364



  14. #74
    kek20
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    Re: Asurion cell phone insurance review!

    I am right there with you! I have had to had 2 phones replaced since January of this year. I just found out that if you drop your phone you void the warranty...what the heck where they thinking? It is a phone it will be dropped, they either need to make phones with stand being dropped or it needs to be covered under the warranty seeing how I pay 6.99 a month for the insurance. On top of that I had to spend $25 to get a replacement phone. The one thing that gets me the most is that they shipped it to the wrong address. The guy even repeated the shipping address back to me! HELLO are they really that dumb?



  15. #75
    jbrady805
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    Re: Asurion cell phone insurance review!

    Asurion claimed to change my deductible by notifying me and also said that my move in December of 08 may be the reason I did not receive the notice.

    1. I had a forwarding notice in with post office to receive any notices and
    2. after December 08 I received a card from sprint re-iterating my contract for a $50.00 deductible. This is what I have in writing.

    3. I also have concerns about an insurance company that writes a contract, and after collecting a year of monthly premium payments, they decide to raise the deductible and presumably notify the customer and tell you that your deductible went up and you can keep paying the monthly premiums but now have a higher deductible or what?

    2. cancel the contract and loose the payments made for the previous year ?


    This is a calculated scam.

    Asurion has until July 8 09 to refund my premiums paid. Alternatively I will be taking court action against this company. Asurion needs to provide me with their “Agent of Service address in California”.

    Jeff Brady
    June 17 2009
    2 13 pm PST

    BBB CASE#: 37057364
    Complaint filed by: Jeff Brady (More)
    Consumer Info
    NAME:

    Jeff Brady
    DAY PHONE:

    -
    ADDRESS:


    EVE PHONE:

    -
    EMAIL:


    FAX:

    -
    (Less)
    Complaint filed against: Asurion Insurance Services, Inc. (More)
    Business Info
    NAME:

    Asurion Insurance Services, Inc.
    BBB MEMBER:

    YES
    CONTACT:

    Ms. Jennifer Davie
    ADDRESS:

    648 Grassmere Park Suite 300
    Nashville, TN 37211
    PHONE:

    6



    Case Description: Jeff Brady
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone...
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone with your representative in the CEO office. I have been trying to contact your company over the phone for over 2 hours now to file a lost phone claim.

    My first attempt was Saturday June 6, 2009 on line. I spent many valuable minutes filling out your on line claim questionnaire only to be advised at the end that my deductible was $100.00.

    My contract calls for a $50.00 deductible on my Sprint Mogul phone with monthly payments of
    $7.00 a month.

    I also have a policy with you on my daughters phone which is also $7.00 a month for a total monthly premium of $14.00 a month.

    When I called your 1 800 584 3666 number this morning it asked me to punch numbers in. I punched the numbers in many times to only have the computer tell me the numbers were wrong an then hung up on me. I called Sprint and advised them of my inability to reach you. They put me on hold for over a minute until they reached a live person with your company which was " Terry".

    Terry advised me that the deductible went up in April to $100.00 and that many notices were sent to me. I asked to speak to a supervisor, I was put on hold again for a lengthy time and then given to " Angie". Angie suggested I ask Sprint for a $50.00 refund. After rehashing the incident with Angie she advised me that because of what I said I was being transferred to the CEO office and if no one answered to "leave a message".

    Your company obviously has a policy of "phone - policy claim deterrence", in other words, make it as hard as possible to reach and speak to some one to file a claim. Your company also has a policy of raising deductibles with out notice to its customers.

    The original contract agreed upon by the parties. I agreed to a $50.00 deductible and q $7.00 a month premium. I did not agree to have my deductible raised, ever, or to be harassed with a claim policy deterrent system.


    You are running a SCAM operation.


    I am cancelling my policies with you and my account with Sprint due to your lack of contract adherence.

    Immediately refund all my policy premiums, a total of $ 140.00, for both phones with in 30 days. Failure to do will result in small claims action against your company.


    I have just completed an internet search on your company and found numerous fraud compalints regartding your buisness practices!

    Jeff Brady (Less)
    Category: Contract Issues
    Case opened date: 06/09/2009
    Case closed date:
    Desired Resolution: refund of $140.00 in premium paid plus $2.00 in postage... (More) refund of $140.00 in premium paid plus $2.00 in postage (Less)

    Download a copy of this complaint so you can print it for your records

    *** You need to respond to this complaint before it can be processed further. Please see below for instructions. ***

    On June 15, 2009, the business provided the following information:
    Contact Name and Title: Linda Konstabel



    Our passion is your peace of mind?

    June 15, 2009

    Jeff Brady
    2548 Seahorse Ave.
    Ventura, CA 93001

    Case #: 37057364

    Dear Mr. Brady:

    In reference to your compliant with the Better Business Bureau, I would like to offer my apology that your experience with Asurion did not meet your expectations.

    The Total Equipment Protection program provides insurance on wireless mobile phones and certain phone accessories to the customers of Sprint PCS. The program is administrated by Asurion Protection Services, LLC and underwritten by Continental Casualty Company (a CNA member company). Under the terms of the program, if a subscriber's wireless phone is lost, stolen or damaged, the subscriber may make a claim by calling Asurion's toll-free telephone number or online at
    On June 10, 2009 you initiated an insurance claim was for a lost cellular phone.

    The claim indicates that you were transferred to a representative from the Office of the CEO when you stated you were unaware of the deductible having been changed to $100.00. Our representative advised you that a letter was mailed to you in January or February.

    According to our records you were mailed two notifications advising you of the change to the policy. The notifications were for cellular phone numbers ending in 3770 and 4764. Our records indicate that they were sent to the address listed above on February 28, 2009.

    Included in the mailing was a copy of the Coverage Certificate. The Coverage Certificate states:

    (VIII.Additional Conditions.O.) ''We retain the right to revise this Certificate at any time and adjust the coverage terms including the premium and the deductible. In the event of any material change in the coverage terms premium or the deductible, you will be provided advance written notice of such changes. You may cancel coverage at any time without penalty, but if you continue to pay premiums after a change in premiums, coverage terms or the deductible, you will be bound by those changes.''

    The changes to the program were to allow those that have low end phones to keep a low premium and not experience a premium or deductible increase for phones that retail three and four times the amount of a low end phone. Thus everyone has a deductible that is applicable to the retail amount of their wireless device.

    We apologize, but we are unable to refund you for the premiums you have paid.

    I will be glad to assist you with the completion of your claim if you are interested in paying the required $100.00 deductible.

    Please feel free to contact me if you have any questions.

    Sincerely,


    Linda Konstabel
    Senior Compliance Coordinator - Legal
    Asurion Insurance Services

    Re: Asurion cell phone insurance review!
    Asurion claimed to change my deductible by notifying me and also said that my move in December of 08 may be the reason I did not receive the notice.

    1. I had a forwarding notice in with post office to receive any notices and
    2. after December 08 I received a card from sprint re-iterating my contract for a $50.00 deductible. This is what I have in writing.

    3. I also have concerns about an insurance company that writes a contract, and after collecting a year of monthly premium payments, they decide to raise the deductible and presumably notify the customer and tell you that your deductible went up and you can keep paying the monthly premiums but now have a higher deductible or what?

    2. cancel the contract and loose the payments made for the previous year ?


    This is a calculated scam.

    Asurion has until July 8 09 to refund my premiums paid. Alternatively I will be taking court action against this company. Asurion needs to provide me with their “Agent of Service address in California”.

    Jeff Brady
    June 17 2009
    2 13 pm PST

    BBB CASE#: 37057364
    Complaint filed by: Jeff Brady (More)
    Consumer Info
    NAME:

    Jeff Brady
    DAY PHONE:

    -
    ADDRESS:


    EVE PHONE:

    -
    EMAIL:


    FAX:

    -
    (Less)
    Complaint filed against: Asurion Insurance Services, Inc. (More)
    Business Info
    NAME:

    Asurion Insurance Services, Inc.
    BBB MEMBER:

    YES
    CONTACT:

    Ms. Jennifer Davie
    ADDRESS:

    648 Grassmere Park Suite 300
    Nashville, TN 37211
    PHONE:

    6



    Case Description: Jeff Brady
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone...
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone with your representative in the CEO office. I have been trying to contact your company over the phone for over 2 hours now to file a lost phone claim.

    My first attempt was Saturday June 6, 2009 on line. I spent many valuable minutes filling out your on line claim questionnaire only to be advised at the end that my deductible was $100.00.

    My contract calls for a $50.00 deductible on my Sprint Mogul phone with monthly payments of
    $7.00 a month.

    I also have a policy with you on my daughters phone which is also $7.00 a month for a total monthly premium of $14.00 a month.

    When I called your 1 800 584 3666 number this morning it asked me to punch numbers in. I punched the numbers in many times to only have the computer tell me the numbers were wrong an then hung up on me. I called Sprint and advised them of my inability to reach you. They put me on hold for over a minute until they reached a live person with your company which was " Terry".

    Terry advised me that the deductible went up in April to $100.00 and that many notices were sent to me. I asked to speak to a supervisor, I was put on hold again for a lengthy time and then given to " Angie". Angie suggested I ask Sprint for a $50.00 refund. After rehashing the incident with Angie she advised me that because of what I said I was being transferred to the CEO office and if no one answered to "leave a message".

    Your company obviously has a policy of "phone - policy claim deterrence", in other words, make it as hard as possible to reach and speak to some one to file a claim. Your company also has a policy of raising deductibles with out notice to its customers.

    The original contract agreed upon by the parties. I agreed to a $50.00 deductible and q $7.00 a month premium. I did not agree to have my deductible raised, ever, or to be harassed with a claim policy deterrent system.


    You are running a SCAM operation.


    I am cancelling my policies with you and my account with Sprint due to your lack of contract adherence.

    Immediately refund all my policy premiums, a total of $ 140.00, for both phones with in 30 days. Failure to do will result in small claims action against your company.


    I have just completed an internet search on your company and found numerous fraud compalints regartding your buisness practices!

    Jeff Brady (Less)
    Category: Contract Issues
    Case opened date: 06/09/2009
    Case closed date:
    Desired Resolution: refund of $140.00 in premium paid plus $2.00 in postage... (More) refund of $140.00 in premium paid plus $2.00 in postage (Less)

    Download a copy of this complaint so you can print it for your records

    *** You need to respond to this complaint before it can be processed further. Please see below for instructions. ***

    On June 15, 2009, the business provided the following information:
    Contact Name and Title: Linda Konstabel



    Our passion is your peace of mind?

    June 15, 2009

    Jeff Brady
    2548 Seahorse Ave.
    Ventura, CA 93001

    Case #: 37057364

    Dear Mr. Brady:

    In reference to your compliant with the Better Business Bureau, I would like to offer my apology that your experience with Asurion did not meet your expectations.

    The Total Equipment Protection program provides insurance on wireless mobile phones and certain phone accessories to the customers of Sprint PCS. The program is administrated by Asurion Protection Services, LLC and underwritten by Continental Casualty Company (a CNA member company). Under the terms of the program, if a subscriber's wireless phone is lost, stolen or damaged, the subscriber may make a claim by calling Asurion's toll-free telephone number or online at
    On June 10, 2009 you initiated an insurance claim was for a lost cellular phone.

    The claim indicates that you were transferred to a representative from the Office of the CEO when you stated you were unaware of the deductible having been changed to $100.00. Our representative advised you that a letter was mailed to you in January or February.

    According to our records you were mailed two notifications advising you of the change to the policy. The notifications were for cellular phone numbers ending in 3770 and 4764. Our records indicate that they were sent to the address listed above on February 28, 2009.

    Included in the mailing was a copy of the Coverage Certificate. The Coverage Certificate states:

    (VIII.Additional Conditions.O.) ''We retain the right to revise this Certificate at any time and adjust the coverage terms including the premium and the deductible. In the event of any material change in the coverage terms premium or the deductible, you will be provided advance written notice of such changes. You may cancel coverage at any time without penalty, but if you continue to pay premiums after a change in premiums, coverage terms or the deductible, you will be bound by those changes.''

    The changes to the program were to allow those that have low end phones to keep a low premium and not experience a premium or deductible increase for phones that retail three and four times the amount of a low end phone. Thus everyone has a deductible that is applicable to the retail amount of their wireless device.

    We apologize, but we are unable to refund you for the premiums you have paid.

    I will be glad to assist you with the completion of your claim if you are interested in paying the required $100.00 deductible.

    Please feel free to contact me if you have any questions.

    Sincerely,


    Linda Konstabel
    Senior Compliance Coordinator - Legal
    Asurion Insurance Services
    Last edited by jbrady805; 06-17-2009 at 06:55 PM. Reason: Auto-merged Double post



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