Empty box delivered - no phone inside

I just had this happen to me with an iPhone 15 Pro Max.  The UPS driver came to my door with an empty box and I refused delivery.  I called T-Mobile support the same day and they told me they would send me a new phone with 2-day delivery.  After 2 days I did not receive a phone so I called back.  They saw I called but no indication a phone was ordered.  They told me they would order me a new phone but I would have to pay for it again until they figured out what was going on with the stolen phone.  Not understanding why they are punishing the customer when they should go after UPS as the UPS tracking info clearly shows the shipment was refused.  UPS marked it as damaged vs totally missing though.  But my T-Mobile account tracking info clearly shows this info.  I don't have the extra cash to get another phone while I wait for them to get this figured out.  However as of now they already have my money, have increased my cell phone bill but I have no phone.