I signed up for service in August. I did the order online and pick up in store. I added insurance to my order because I'm clumsy sometimes and I might break my phone. Get to the store they have trouble activating the phone and then im good to go. Fast forward to this month when i find out I do not have insurance and never did. Disatified with how I have be treated already I contact Verizon chat.They tell me that they will open a ticket and I have a good case in a contract error. Then I contacted today to check up on the ticket. The guy told me in chat that I had to call CFS and they will waive the termination fee. So i call, got transferred, got transferred, got transferred, then got transferred again to CS. They told me they most they could give me was 100 dollars. I am not taking just 100 when I was told I would get it all. Talked to a supervisor and then he tells me they are not waiving anything. So no I have written proof and chat id's that say they will and they are not. I will go to the BBC and FCC with this information about lying to customers and not holding up what their employees say!
Contract says nothing an Agent or Rep says means anything. The contract is king, so that writing you have it just something for you to look at.
I've never read anywhere...or known anyone for that matter, who has gotten their cell carrier to allow them to walk away from their contract...especially over something as simple as an insurance issue. If you alls you want is insurance then go to some place like SquareTrade.com and get it there. If you really think VZW is going to let you walk away with clean hands then you're hoping for sunshine with nothing but clouds in sight...
Unfortunately you never looked at your bill WITHOUT the insurance charge on it. You have 1 month from the date of purchase to add the insurance to your phone. This ALL could have been avoided if you would have simply looked at your bill.
If you ALWAYS get insurance, it would seem that your bill must have dropped since there was no longer a charge for insurance on it. I certainly would have CLOSELY looked at my bill if all of a sudden it dropped by $10/month immediately after a phone purchase. I would certainly have wondered why.
If you had also changed something else on your account which may have ALSO been a reason for a price drop, I would certainly have checked my bill to make sure I was being billed correctly for the account changes.
Amazing what problems you can have when you don't do something as simple as looking over your bill each month.
VZW at one time would roll your insurance over with every upgrade. Then they stopped. Most customers found out the hard way like myself when an Iphone was damaged in a car accident. They stopped rolling it over when they started selling the Iphone. No one let me know that I wasn't covered or I needed to wait for an enrolment period. I guess you must read all the fine print with Verizon or you'll end up uninsured on an expensive device. I purchased a protective case and opted out of the insurance program entirely which saved me around 30$ a month because of the hassle of waiting months to enroll in a service obviously Verizon didn't want customers signing into anyway. Just currently dealing with nasty ETF collectors right now, they threaten to ruin your credit and charge you exuberant fees if you fail to pay the blood money due at separation of the contractual marriage.
Isn't that how contracts work? If you cancel a contract on your end, then you have to pay the ETF you agreed to pay in that case? Then, if you don't pay, wouldn't Verizon send you notices, then after failed attempts at collecting payment on their end wouldn't they refer your case to a collections agency? And after that, it's on the CA to make the money and Verizon report to credit bureaus. Plus, wouldn't you notice the insurance isn't in the monthly bill amount and wasn't included in the agreement or on the receipt?
You have always had to opt in for insurance on a new phone purchase. It was never automatic. Each time I make a phone purchase, I am asked if I want the insurance to which I answer a resounding NO. There is NO reason why Verizon, or Assurion in particular, to change from "automatically" adding insurance for a new phone purchase. This is for the vast majority of policy holders a cash cow for Assurion and even Verizon who I assume gets a percentage of the premiums.
Most people will never need or use the insurance. What reason would Verizon/Assurion have to not continue charging for the insurance if that were indeed the policy. IF it was the policy, it was surely changed when Verizon started selling the iPhone, as you have claimed, due to pressure by Apple to favor the consumer opting instead for Apple Care, Apples brand of cell phone insurance.
Wouldn't "sneaking" the insurance cost into a plan be considered "cramming?" This is assuming the insurance cost wasn't in plain writing on the agreement or receipt.
Absolutely, which is why I had stated it was always an "opt-in" feature instead of an automatic charge.
I have been current on my bill even after the jump to T-Mobile. Last month I paid the balance in full, this month has the ETF fee, not due until the 15th of next month. You automatically assumed that I'm in default? my bill doesn't generate until the 15th of every month. This is the 20th. Nasty collection practices from the credit department, rude and threatening. My insurance was 7.99 a month, my monthly bill only went down 3.00 so I'd never noticed the change in service until I had gone to use the insurance. You are playing semantics with everyone reads their contract, how many pages of fine legalese print must a customer bear before it gets too overwhelming for even a lawyer to understand. The most important part is that as a verizon customer you are under arbitration, verizon court where you must trust them to make a fair, honest ruling. I can tell you already how that would turn out.