Assurant Damaged Device Returned - Not Recived

psmckelvey wrote:

I filed a claim with Assurant in early February 2020- they denied it at first then after another call they approved it.  I received the replacement and returned my damaged phone on 2/7/2020 via USPS using the label they provided. 

 

I called after receiving the second notice that the phone was not received as it should have been delivered by then.   Turns out it had been delivered on 2/11/2020, but there was no phone inside the envelope. 

 

I called Assurant and was told that the envelope was sealed, but that the ends were opened.  Sounded to me like the way they probably open these when they arrive and process the claim. Regardless, they said i would have to file a claim with USPS and that if they did not find the phone i would be charged non returned fee for it.  I asked them to share there notes with me, so that i could use them when filing a claim with USPS, she said she could not.  I asked that the call be escalated and the manager proceeded to tell me that was correct and that USPS has a contact with them and they could share information directly with them. At this time she also said that the envelope was not opened, but referenced tampered claim.

 

As requested I have submitted the claim with USPS, but we are almost at the 30 day mark so they will be passing a fee to T-Mobile and 15 days later it will be billed and they can not undo it even if USPS finds the phone. To say i am unhappy with Assurant is an understatement as they are going to charge me up to $600 for the damaged phone that i know was returned.

 

I have been a long time custom with T-Mobile and have had a couple of claims over the years and have had no issues with the damaged phone being received by Assurant. I do not want them to pass a charge over to T-mobile for something that i know is incorrect. I am asking T-Moble to review my account and help me resolve this with Assurant.

Tmobile couldnt do anything for me but close my account for delinquency which went to collection because i refused to pay for my phone a second time. 

Its stupid because I filed a lost/stolen claim before my last claim, paid the same deductible and got my replacement with no hassle. 

Lesson learned. Always file as lost/stolen device when you need a replacement. Any other claim is just a trap!