Global Warranty Group

Review: I purchased a cell phone insurance plan through this company and when the phone broke I called to file a claim. I was told I would have a new phone within 2 days. later that day I received a call stating they could not locate a replacement phone and said the would send me a check for $300. After a week I called and asked where my check was. I was informed it might take 30 days. This was Jan **, 2014. it is now April **, 2014, 11 weeks later and still no check or phone. I have called the company repeatedly and always get the same answer, they will escalate the issue and someone will call me in 2 days. I have never received a call back. I not only paid for the insurance policy in full up front but I have also paid for a cell phone bill for almost 3 months that I haven't had the phone.Desired Settlement: I want the refund check for my phone as stated by the company and I want either a full refund of the purchase price of my policy or my cell phone bill paid for the time I have gone without my phone.

Business

Response:

check #[redacted] for $300.00 sent 4/**/14

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

This only covers the cost of the phone. I want either my cell phone bill paid for, for the more than three months this was in the process or I want my $75 deductible back. The claim itself is not enough at this point. I have made countless calls to this company and I have not gotten so much as a call back when I was told several times someone would call me back. I have had to go to the extreme to get my money.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

I have refunded the deductible of $75.00 back to the credit card it was put on. Please allow 3-5 business days to see that reflect on your statement.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I bought a phone insurance from them and lost my phone on November **/2013 and filed a claim on same date with provided them whatever they needed to process my claim very next day they picked up deductible amount of $130 from my credit card n then last week of november I got call saying that they dont have the phone in stock and they want to give me $630 check, I agreed and now till that date today april **/2014. I haven't recieved any payment of call from them only once somebody called me and said my claim is in process. Till that date Nove/**/2013 I am calling them every week 2 to 3 times all they say is it is in process nothing else.Still waiting for my payment.Desired Settlement: I want to get my check ASAP

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Have contacted the claim department numerous times since the claim was filed. Each time its the same run around that it will be another business day or check back tomorrow. When you ask to talk to a [redacted] or [redacted] they claim that nobody of that nature is able to come on the phone. They took my deductible and my old phone that I shipped to them and have not sent me a replacement phone per the contract I signed with them. Customer service never contacts you back or does anything of real help, they only ever to "Escalate" your claim and that the escalation department will contact you, which they never do.Desired Settlement: Give me my money and broken phone back or send me my replacement phone with no crap of one more business day it will ship.

Business

Response:

Per UPS tracking [redacted] shows was delivered on 5/**/14

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have experienced extreem ineptitude. I have recieve poor customer service, I have spent hours of my time due to their extreme incompentience. I have not been able to get a hold of a manger mutliple times that I have request. I have not been called back by a [redacted] per my request. THis issue started Mach [redacted]

The 1st phone I was shipped was damaged and did not have a sim card. I had to waste several hours of my vacation getting another SIM from my carrier. The company then shipped a second phone to the wrong address that I had specified. I had to wait about a week for a new one and countless hours on the phone trying to find out what happened. After that phone arrived it was not color of my orginal phone. The people at global said they should have not done that. I was told that I would have another phone sent to me. After about a week I had not recivied the phone I was told I had to mail the incorrect phone back before they could prcess my "New Request" once I dropped the phone off to UPS. I requested multiple times to speak with a [redacted] and was told there are none, but they could take a message and have one call me back. No One has called me back. I also called the next day after I dropped the phone off to UPS and was told that they had not sent the "New" phone out to me.Desired Settlement: I want the deductible for my phone refunded and or premium refunded for poor service and time wasted.

Business

Response:

showing phone delivered 5/** and no issues

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I purchased this extended cell phone warranty through verizon's local retail store. They told me (along what was stated on the contract) that GWG will cover lost/stolen/damaged phones, up to four times, for two years. The payment for the insurance was about $180 after tax. I filed a request for new phone due to a stolen phone. I had a police report filed and everything. I called them and provided al necessary information early april/ l;ate march and they told me I had to pay a deductible of $170 or so for thenew phone and I did. They then failed to contact me so I co ntacted them a couple weeks later. They told me their warehouse was out of my phone (iphone 5s) and they could give me a check instead for $650. I agreed and they told me it should take about 7-10 business days after processing. I emailed them weekes later and a rep named [redacted] said that my claim was filed 4/[redacted] check was accepted 4/** and processed on 4/**. She said it could take up to ten weeks. She also said she would ask someone to call me back with eta of the check. No one, evven after multiple calls to the company, has called me back with info regarding my check and I have still yet to receive my check. If you look online and google gwg wireless protection you will see there are countless people with the same story. This is becoming to the point of false advertisment and fraud. They collected aprroximately $360 dollars from me and provided no service. I have contacted them countless times and they kept saying I could speak to no supervisor or accounting office and kept lying about someone calling me.Desired Settlement: I would like the service I paid for and get that $650 dolalr check they promised or I would like a refund of my payment for the insurance plan and the payment for the phone. I would like this to be settled within reasonable time since I have dealt with this ridiculousness for months. One business week should be sufficient for this.

Business

Response:

check #[redacted] for $750.00 sent 6/**/14

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Before I move this issue to resolved, I would like to wait for the check and see if it actually appears. Once it does, I will contact Revdex.com and state that the issue has been resolved

Sincerely,

Review: I filed a claim last year early December and as a resolution, Global Warranty offered me a check. They said it will be delivered to me as soon as possible but no check arrived. 2 weeks ago, I called them again asking for the check but they cannot give me further progress. I don't know what is going on. I need help!Desired Settlement: I will give them until Monday next week to send me the check. I've waited for so long and I cannot wait any longer. I need to replace my phone immediately.

Business

Response:

Check #[redacted] for $578.00 was mailed on

1/**/2014

Review: I have been dealing with this company over a month now with no outcome to what it says in their terms and conditions. I have been waiting for a call from upper management in regards to my concerns and them not doing what they said they would. In the terms and conditions it states that if there is a broken device they will replace it with a like quality device if not available which my phone is no longer available. I have placed 6 escalation calls that I have yet to receive a call back on I always have to call them and they won't transfer me to someone higher up to talk to in regards to my frustration with them. Another issue that I have with them is the fact that they have given me false information. I was told and stated in the terms of conditions that I will receive a replacement phone before I had to send in my broken phone within a specific time period I should get my replacement but I had to place a hold on my credit card about a week ago I had my credit card statement show that I was charged that money on the day I placed my claim I called in very upset again and had another escalation placed that day for a call back. And again I have not received that which is very bad business practice. The deal that I confirmed with them was that I'd get a replacement product before I was charged and has to send in my broken phone. Now the company is stating that they will send me a cheque but I have been waiting over 3weeks for that to get sent out and feel as if that won't happen so I've been waiting with my previous phone that is unusable for something to happen. All and all I've been not happy with this service and feel as if they are not honouring there services that I paid for and are written in their terms of agreements. But as we'll this is also a problem with their customer service but I was unable to select two areas so I went with the biggest being this issue of no product in return and them charging my credit card.Desired Settlement: My desired outcome at this point is a replacement phone of like value, a refund to my credit card right away for the charge that was supposed to be a hold, a call from the managers apologizing for not getting back to me and me calling the company for a month every week and even twice within that week. As well I would like some compensation back from the deductible I've paid as I have waited a month for something that I haven't received. I really just want a working phone that I can use and a company that will be honest to me about when I will be getting something in return cause I have yet to receive any satisfaction and I do want that.

Business

Response:

check #[redacted] for $578 was mailed out of our ** offices on 3/*/14

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

They did not do what they said they would. I have talked with multiple people in their Customer Service Department that stated they would get the Escalations team to contact me once the cheque has been sent and they have not yet done that. The only reason I knew that this was sent was from this email. I am still not satisfied with the service that I have gotten, as no one from higher up as yet to call me and I have over 5 complaints that have not yet been answered. I find this very hard that my complaints have not been looked in to fully and that I have yet to get anything I have asked for. And when I called to ask about the cheque even though there was a cheque number given to me I don't know if I can actually believe that I will get it this week or not.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I bought a phone through [redacted], they told me about this company that is a better insurance company but instead of paying monthly you make on large lump sum payment when you get your phone insured. I did it then my phone broke on Feb [redacted] 2014 and I made a claim and had to pay a 100.00 deductable on the phone. They called me back and said my phone was no longer available to be replaced. They said a check for the value of buying a new phone would be mailed asap. I have called once a week for 7 weeks and they just keep telling me its in process. They have all my money and I have no phone. The will not even send me another typed of phone so I can at least have a phone to use. I called [redacted] and told them and they said there is nothing they can do. I have to deal with Global. Even after a phone call today they said it is still in process and I cannot talk to anyone in the accounting area because they have no way of connecting me to them. They have have no [redacted] I can talk to. I got ripped off and am out alot of money, including my deductable and a phone.Desired Settlement: I would like a new phone or at least the money they promised to buy a new phone.

Business

Response:

check #[redacted] for $450.00 sent 3/**/14

Review: I filed a claim with Global warranty group in January 2014. They were unable to replace my cellphone and promised a reimbursement in the form of a paper check of $500. On 1/**/14 it was approved. To this date they have failed to send the check or provide any communication or update to our claim. The phone number provided claims to be a third party answering service who cannot connect me to a superior or a department where I can get answer to the status of my reimbursement. They dismiss by telling me to someone will call me back in 1-2 business days or to email a general info email address both to which has gone unanswered three months later. the customer service agent agrees this is unusually long but cannot provide any answers, any updates or any timeframe. I have called about once a week for the past three months and get the same runaround, that my check has been approved in accounting but has yet to be sent out. When I ask when can I expect it they cannot give me a direct answer. I question if they have the intention to send us the check.Desired Settlement: I think it is fair to ask for the compensation we were promised and rightfully due, check for $500. Also any communication or response is required. We need to know WHEN we can expect our refund.

Business

Response:

Please provide wireless number or claim file number.

Consumer

Response:

Revdex.com

my response to the question from global warranty group is [redacted]. When they pull up my account they will be able to verify my claim, the dates, and my dissatisfaction with this entire matter.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted]

?

my response to the question from global warranty group is [redacted]. When they pull up my account they will be able to verify my claim, the dates, and my dissatisfaction with this entire matter.

Sincerely,

Review: When I signed up for a new phone and contract with [redacted] they offered a third party warranty option. I purchased a 2yr warranty for my Samsung S3 cell phone on Feb ** 2013 from Global Warranty Group, Wireless Protection Program Association, the cost was 129.00. On November [redacted] 2013 I called to file a claim because I dropped the phone and broke the screen. A new phone was to be delivered within 3-5 business days. I paid 95.00 deductible and they put a hold of 381.00 on my master card to ensure I would send my broken phone back. A few days later I received a call to say they didn't have anymore S3 phones so they would be issuing a cheque for 525.00. The cheque was to be sent out within 3-5 business days. Since then, I've made countless phone calls inquiring about the cheque. After one month they did refunded the 381.00 to my master card. When I call, I speak to [redacted] and leave messages for the accounting department to update me with the status of the cheque. It is now 6 months later and no one seems to have any information.Desired Settlement: I would like a replacement phone sent, preferably the S5. As well as having the deductible returned to my credit card. If this is not possible, at the very least they should send the cheque for 525.00. However, seeing as they have taken over 6 months, they should be held responsible for the stress and anxiety they have caused me.

Business

Response:

check #[redacted] for $525.00 sent 6/**

Review: Wireless protection Program(GWG) has promised a cheque of $650 3 months ago. I have been waiting for the claim but the company keeps promising the cheque will be sent to the escalation team and will be sent out when it gets approved. Every time we call into GWG we are left with the same answer. Tracking number for claim : [redacted] Product_Or_Service: Other /SAMSUNG GALAXY S 3 32GB BLUE/

Account_Number: ###-###-####Desired Settlement: DesiredSettlementID: Other (Requires Explaination)

Warranty Policy is that customer will receive either a brand new phone as a replacement of a cheque for the value of the phone that was damaged.

Business

Response:

check #[redacted] for $650.00 sent 6/**

Review: On 6/*/13 I purchased a 2-year phone replacement plan with this company for $100.00 through my cell phone carrier, US Cellular, for my daughter's cell phone. On 4/**/14 I called to file a replacement claim as my daughter's phone had become damaged. They assured me there would be no problem, and a replacement would be shipped within 24 hours of claim approval. They advised they would charge my credit card the $75.00 deductible and also put a $301.00 hold on my credit card until I returned the damaged phone. I called them back the next day to verify that they had my correct email address, and I was told that they didn't have her exact phone, so they would be sending me a check for $600.00 to replace it myself. On 5/**/14 this company charged my credit card the $301.00 and I had still not received the $600.00 check from them. On 5/**/14 I called them again, and they advised they would escalate my claim to the 'escalations team', and I should get a call back from them within 24-48 hours. They never attempted to call. On 6/*/14 I called them again, and was told that there was a note in my file that the 'escalations team' had contacted their accounting dept regarding the status of my check, but they hadn't heard back. Again they said the 'escalations team' would call me in 24-48 hours, but I heard nothing from them. I called again on 6/**/14 to no avail. I called the last time on 6/**/14 and asked to be transferred to the 'escalations' team directly. They told me that they didn't have the ability to transfer me to anyone, but would make a note for them to call me. I have never received a call from them. I checked their 'track-a-claim' website for our claim status, and it says that it is closed.Desired Settlement: I would like the check for $600.00 sent to me to purchase a replacement phone. I would also like them to either refund my credit card the $301.00 they charged to it, or receive a check for $301.00. As soon as I receive this from them, I will happily send them the damaged phone.

Business

Response:

check #[redacted] for $645.00 sent 7/** via USPS from our ** offices

Review: I purchased warranty on my iPhone 4S from this company through [redacted], ###-###-#### is the phone number of the phone covered under this warranty. I damaged my phone and contacted them on **APR14 to file a claim. The lady on the phone was very helpful, took my information. She informed me that a $179.00 deductible would be charged to my VISA. In addition to this a $699.99 charge would be placed on my VISA (this would be credited back to my VISA after my old phone was returned to them). At this time I was given a claim number, [redacted]. I received a confirmation e-mail the next day that my deducible was charged to my VISA and I would be receiving another e-mail shortly with the shipping information of the replacement phone they are sending. This was the last time anyone from GWG has contacted me. I phoned back a week or so later to see how my claim was coming. They said they cannot find a phone to replace mine, "Someone should have called you". They then offered me a cheque for $650 instead of finding me a phone. I agreed to this, they were going to send a cheque right away. After a couple weeks I phoned back to see how my claim was coming as nothing had changed on the on-line claim checking site. They apologized and said "The cheque processing machine is broke down, they would look into it". After another week or so I phoned back and they apologized again and said they would "Escalate" my claim. Phoned back again after a few days and still nothing. I then demanded to talk to someone with the authority to "escalate" my claim but the office was closed until Monday or Tuesday morning, I demanded Monday morning (was a Friday evening so was reasonable that they were closed). I never received a call Tuesday so I called back and was told to wait until the end of the business day, someone would call. They did not call and I phoned back, was told that something must have got mixed up and someone would call in the next 2 business days. They did not call.

In short I have paid $179 deductible and a $699 hold until I return my damaged phone. I have had to go and purchase a new phone out of my pocket as they could not find me replacement phone (which is reasonable as the iPhone 4S is outdated). What is not reasonable however is the fact that I have paid this company $878.00 for a service they have not provided or tried to explain any further than taking my money. I am owed a cheque for $650 to cover my phone they could not find a replacement for. That is a difference of $1349.00 (excluding the deductible I need to pay). I am now paying interest on the $699.00 charge to my VISA.Desired Settlement: I would like this company to immediately send me a cheque or credit my VISA the $650 I was promised. In addition I do not feel confident that once I send my phone in I will be credited the $699 on my VISA that was charged to it until my phone is returned. I would like them to credit this $699 back to my VISA before I send my phone in. In light of the horrendous lack of service I have received from this company I do not feel this is too much to ask.

Business

Response:

This Revdex.com complaint is being researched and worked daily until GWG is able to get you resolution. If this is regarding a check that was

accepted in lieu of a replacement phone GWG will make sure to fulfill all claims. However due to unexpected factors there has been a delay in our claims process. Please continue to be patient and we will be in touch as soon as we have resolution. GWG appreciates your business and patience as we continue to work through these issues.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

Noone from Global Warranty Group has made any effort to contact me at ANY point in since my claim was accepted. This appears to me to be a stall tactic of some sort so my time runs out on being able to dispute their charge on my VISA. After this time runs out I will have no way of recovering the money they charged to my VISA and very likely never see the $650 cheque I was promised in "2 Business Days". I want my VISA credited $650 instead of sending me a cheque. They charged my VISA, should be no reason they can't credit it.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

check #[redacted] for $650.00 sent 7/** via USPS from our ** offices

Review: GWG promised a cheque of a little bit over $550 over 3 months ago. Warranty policy is that customer will receive a phone if it gets damaged or to be given a cheque for the value of the phone. Claim was filed over 3 months ago and every time I call into GWG , the representative will always say the issue will get escalated and customer will receive the cheque after it gets approved. After waiting 24-48 for the escalation team, I called back and the representation said it's still getting resolved. I've paid the deductible of $95 for the replacement. I have not had a phone for 4 months because I have been waiting for the value of the phone that was damaged. I have gone into the store where I bought the warranty from and they couldn't help me resolve the issue because the warranty provider is GWG. Tracking ID for the claim is [redacted]. My contact number is ###-###-####. I'm hoping this will help me get the cheque that was promised to me faster. Thank YouDesired Settlement: Cheque for over $550 which was the value of the phone.

Consumer

Response:

At this time, I have not been contacted by Global Warranty Group, LLC regarding complaint ID [redacted].

Sincerely,

Review: Since march [redacted] 2014 I have been waiting for my refund cheque of 700 dollars owed to me from global warranty group due to the fact that they told me they could no longer replace the same model of cell phone that I had made an insurance claim on. since they could not replace the phone physically, they asked if I would take a cheque for the price of the phone itself in order to pay for my replacement phone that I paid for out of pocket. Waiting this long and calling to inquire about it 4 times with zero response even after special request that I hear something back, they have failed to communicate anything whatsoever.Desired Settlement: My request is simple, I would like my cheque of 700 dollars as soon as possible. This is an insurance company, they should pay out what they owe their customers what they deserve in an acceptable time frame. 3 months is not an acceptable time frame.

Consumer

Response:

At this time, I have not been contacted by Global Warranty Group, LLC regarding complaint ID [redacted].

Sincerely,

Review: I have an insurance policy for my Samsung Galaxy Note 3 cell phone. This policy is through Global Warranty Group. The monthly fee is $5.99/month. The glass on the phone broke. I filed a claim through this company back in Jan. 2014. The insurance covers this glass protection.

The policy states that a new phone is recommended because of internal malfunctions.The phone cannot be replaced because it is not available anymore. I understood this. They said they will re-inburse me for full value of the phone, valued at $700.00. I agreed to this. The problem is that after many phone calls and e-mails, they are not cooperating. They keep telling me that they don't know when the check is going to be sent out. They also, charged me $301.00 for the broken phone,because I didn't return it after 30 days of the complaint. The problem with that is I didn't want to give them the broken phone without my entitled re-inbursement, and I couldn't be without a phone. So, as it stands, I am still without a fixed or new phone,and an extra $301.00 cost, no reinbursement money. They just keep delaying and delaying and delaying. I might add that I had also requested to speak to a manager and no cooperation was expedited.Desired Settlement: I would just like the refund of $700.00 for the phone and $301.00 that was charged on my credit card for the broken phone. I do not trust this company to reinburse me after I give them the phone. I will return the phone, once I get my money back for the phone and the $301.00 charge, refunded.

Business

Response:

customer called and cancelled her claim and contract all funds refunded

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

no re-inbursement has been sent to me,as Global Warranty has stated. In addition, I have cancelled the protection plan of $5.99/month. This was done by e-mail as Global Warranty requested.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Business

Response:

we have refunded all funds related to claim no more to refund

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Global Warranty Group has not refunded or credited my money. They told you that they refunded my money, but they have not!. I double checked my credit card in case they made good through a credit, but they have not!. I am losing my patience with their lies! I am willing to go to the next step if necessary, which would be Small Claims Court.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: Like the first 30 complaints I have read here, this company needs to be accountable. My phone cracked, phoned in a claim March **/14. Was also told that I would receive a email or call back within 24-48 hrs. NEVER DID. Finally on March **/14 when I checked the track-a-claim site they were so kind to provide, there was finally a contact number for me to call, different from original one I called. Also got the same run around about having to send me a cheque due to fact that my phone was no longer available and that would be processed in 3 to 5 days. So I paid my $100 deductible AND $381 until they received my old phone on March **/14. It is now 2 months later, I have called at least 8 times, same response each time!! Out of all the time I received 1 email saying that my cheque is still at accounting!!!The effort and time spent on this for NO reason is unreal!

Product_Or_Service: Samsung S3 16GB phone

Order_Number: [redacted] Account_Number: ###-###-####Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like my cheque for $ 578 AS WELL as interest on my 380 charged to my credit card, to my mail box by May **/14 so that I can get on with life.Some sort of accountability from this company would also be nice. They have been using MY MONEY for 2 months and I still have a broken phone.

Review: I am among the people who have been scammed by this company and not received a settlement of $650 for a phone they cannot provide me with after paying a $150 deductible and original cost of warranty inception. Zero answers, zero customer service, horrible business ethics. Have been waiting 2 months, still nothing.Desired Settlement: Send me the cheque which I'm owed so I dont need to deal with this anymore.

Business

Response:

check #[redacted] for $650.00 sent 7/*/14

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Still no check arrived, now 1 week after date "sent" by company.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I filed a Claim on [redacted] of May,2014. they did not had Replacement for phone, so they offered me a Cheque of $650. the cheque is under process since [redacted] of June 2014, today it is [redacted] of July and I did not receive cheque yet. whenever I called them they always says they do not any information when they are going to deliver the cheque.Desired Settlement: they should provide me the information that when they are going to issue me the cheque. because I need to get my phone. and the action should be quick because am waiting from last two months.

Review: We purchased insurance through Global at our [redacted] cell phone provider when we bought my daughter's phone. The phone was stolen and we followed all the procedures required by Global to begin the claim process. I was told they would charge my credit card $179.00 for the deductible and they would send out another phone. No phone arrived and I have been calling them since May [redacted] when we began the claim. They did tell me they couldn't replace the phone but would send me a cheque for $400.00 to purchase a different phone. Still no cheque and now the ###-###-#### phone number is disconnected! I told them on various occasions I thought their company was a scam but they assured me I would get a cheque. When I asked them to just refund my deductible they said they couldn't do that!Desired Settlement: I would ideally like to get the check for $400.00 they told me they would send as I have paid them $179.00 for the deductible PLUS the $9.00/month that my daughter had her phone!