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@bandgirljaws,
Having a working phone is definitely a must! I can only imagine how frustrating this has been for you.
You mentioned this was a replacement device. Was this replaced by the insurance? When ever, a phone is replaced through the insurance and the same model phone is not available, they give you the options of getting a different model replacement of equal or lesser value. You need to agree to the replacement before it is sent.
Have you contacted the insurance since the phone was replaced and you started having the issues? How long has it been since the phone was replaced? If you would like to contact the insurance you can reach them at 888-881-2622.
JohnB_VZW
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